That this House has considered Government support for young drivers.
As ever, it is a pleasure to serve under your chairmanship, Mrs Latham. It is encouraging to see Members here to participate in this debate, which is of significance to many young people across the United Kingdom. It is good that young people can look to this House and see and hear that their voices are being heard. I thank the Minister in anticipation of his response, as well as his officials, who have been very helpful in this regard.
I am raising this issue following a significant number of messages on social media and WhatsApp, and conversations generally with young people and their parents across Upper Bann. We can all remember the excitement we felt at the prospect of turning 17 and finally getting on to the road to drive. Maybe, like me, other Members flicked through Auto Trader from about the age of 15, dreaming of their first car, probably unaware of the unaffordability of that choice. But we are all allowed to dream.
Those were the days of buying a Vauxhall Corsa, Ford Ka, Peugeot 106 or Citroën Saxo—the list goes on—when 17-year-olds could avail themselves of free insurance as part of a deal, or be a named driver, which helped with the premium. That incentive was a game changer for many. I am probably showing my age with my vehicle choice, but what a distant memory that feels, given that young drivers are now facing insurance premiums that are not helping them to get on the road, but are actually driving them off it.
Although I will labour the insurance element today, I am also acutely aware of the difficulties that young people face in even reaching the stage of getting out on the road, particularly with our broken test facilities, the lack of resources and manpower, the lack of appointments and the volume of young people who have to wait literally months before they even get to sit their tests.
We have seen rural driving test centres close, such as the one in Whitchurch in my constituency. That causes a huge problem for young people, because they have to drive much further to access a test centre, to practise for and take their tests. They have to book double lessons, adding to the cost of learning to drive. They need to get in a car; there is no public transport. Does the hon. Lady agree that keeping rural test centres open is important to helping young people access jobs and opportunities around the countryside?
Absolutely. We experience the same difficulties in Northern Ireland with the availability of testing. We find that people are ready for their test but no tests are available, and they then have to continue with lessons, or stop lessons and go back to them later. It is a dreadful situation. This is about ensuring manpower and resources are available in rural areas, as the hon. Member outlined.
What has prompted so many people to get in touch with me is specifically the exorbitant cost of insurance, particularly in the context of the cost of living crisis, where household budgets are already strained. Where once the bank of mum and dad stepped in, many parents just cannot do that to help to meet the cost of insurance. That leaves young people unable to benefit from the freedom that driving brings, which many of us enjoyed. That barrier to the road impedes access to employment, socialising, broadening their life experience and even travelling to study. The effect is particularly acute in rural areas, such as my constituency and, indeed, vast swathes of Northern Ireland, where public transport linkages are lacking in choice and frequency. Evening and weekend services are often reduced or withdrawn altogether, making the ability to travel via public transport non-existent.
The importance of driving and access to a vehicle is acute in these areas for the whole community, including our young people. I have no doubt that Members present from similar constituencies across the United Kingdom will reflect the same challenges faced by their constituents. In that context, we must look to the Government to support young drivers—to support them to get on to the road and to be safe on the road—which, in turn, will impact insurance premiums in the future.
These issues are interlinked. If we look at insurance costs, Confused.com—the price comparison firm—said that, on average, 17 to 20-year-olds had seen insurance rise by more than £1,000 compared with the same time last year.
I congratulate my hon. Friend on securing the debate. On insurance premiums, does she agree that it is important that not only we, but insurance companies make a significant distinction between young drivers who are careful—who take their time and learn to drive safely on the road—and those whom they punish? They punish not just those careless drivers with the higher premiums, but all young drivers, and that needs changing.
My hon. Friend is pre-empting my speech, and I agree with everything he said. For 17-year-olds, premiums surged by an average £1,423, to £2,877. For 18-year-old drivers, the average policy price reached £3,162. Constituents have contacted me after having had quotes of between £5,000 and £7,000 for a vehicle worth half the price.
Since securing this debate, I have had positive discussions with the Association of British Insurers and local insurance brokers across Upper Bann, who are at the mercy of insurance companies across the United Kingdom. I thank Alastair Ross from ABI for his constructive engagement on this matter. The insurance industry cites a range of factors for the increase in premium costs, and it is worth highlighting those to enable us to explore how Government might help on this matter.
By way of background, insurance is based on pricing the risk of claims being made and the cost of those claims. ABI data shows that, for drivers aged 18 to 20 and 86 to 90, the frequency of claims and average cost of claims is higher, which can impact premiums for those age groups.
One of the largest elements that the pool of motor insurance premiums pays for is bodily injury to other drivers, passengers, pedestrians or the driver themselves. That is because serious collisions can mean life-changing injuries, with compensation sometimes running into millions of pounds.
The insurance industry states that young drivers are also more likely to be involved in crashes with multiple injuries and which involve a greater number of people. Insurers’ costs of dealing with associated claims can be very high. The industry view appears to be supported by data, so we are not coming to this debate without data, because we know that according to the statistics, young people, and particularly older people, are much more likely to be involved in an accident.
I congratulate the hon. Member for Upper Bann (Carla Lockhart) on securing this excellent debate. I agree with everything she said.
This is a critically important subject because the price of insurance for some young drivers has now reached £3,000. The high costs mean that the parents pay, not the children, and so the wrong people are being penalised. In 2022, it was found that parents spent £780 on average on teaching their children to drive in the preceding 12 months. I am not going to argue with the algorithms that the insurance industry uses to calculate the price of insurance. We should just assume that they are right and that companies are underwriting an extremely expensive risk. We should therefore be somewhat sympathetic to the challenges they face, particularly as 24% of fatal collisions involve people aged between 17 and 24.
Seventy-five per cent. of the young drivers who are killed are male and a male car driver aged between 17 and 24 is four times more likely to be killed or seriously injured than a car driver aged 25 or over. That is because it is not until someone is 25—this is particularly true for men—that the frontal cortex of the brain is fully developed. That is the part of the brain that deals with hazard perception and the consequences, and we have developed that over aeons. That is why young soldiers go to war: they are not as frightened of the consequences as older soldiers. That is one of the problems that we have with hazard perception, and it is just one of those things.
We therefore need solutions that will keep our young people alive and on the road. That is why last week I held a roundtable on insuring young drivers with industry representatives, helped by Aviva, the ABI, superbly represented by Robert Rams—I do not believe he is there anymore for some reason and that is a great shame—and other agencies such as the RAC and, most importantly, IAM RoadSmart.
It is a pleasure to speak in this debate, Mrs Latham. First, I thank my hon. Friend the Member for Upper Bann (Carla Lockhart) for securing it. The issue is incredibly prevalent now, especially in Northern Ireland, as my hon. Friend said.
When we emerged from covid there were large numbers of young people wanting to get on to the roads. It was logical that people just wanted to get away from their homes, and to do that safely. They wanted to learn how to drive, and believe it or not, there are still incredible backlogs in testing. I asked the Transport Minister a question on this issue last year—my hon. Friend mentioned it, too. Another issue my hon. Friend raised was insurance, which is causing many problems for young people in Strangford, so it is good to be in this debate to support my hon. Friend.
I can go back further than most in this room and I remember my first Mini car only too well—it cost me about £60, and the insurance cost about the same. I got third party fire and theft because that was the cheapest option, and it covered the other person if you had an accident. I remember the straight-through exhaust system —I am not quite sure what it did, but it made plenty of noise, and that was one of the things that I liked—and the wide, sporty wheels that I had on it as well.
Of course, you were never really a driver until you got the leather gloves. I am not quite sure what the leather gloves did, but we all figured that if we drove a car, especially a Mini, we really had to have those leather gloves. Thank goodness they are out of fashion now and I do not have to wear them any more. That was an era when insurance was almost the price of the car for third party fire and theft. It was a long time ago, but it does give perspective.
So many young people look forward to being able to learn how to drive, and there is such an element of freedom for them. I remember when my sons were younger and the excitement they felt about for learning how to drive. We just got them a wee cheap car because we figured it would have a few bangs along the way, and it probably did. They got a better car when they got older, but the cheaper car did the job for them when they were learning.
It is a pleasure to see you in the Chair, Mrs Latham. I congratulate the hon. Member for Upper Bann (Carla Lockhart) on securing the debate and on speaking so well. We have not heard from the Minister yet, but none of us so far has disagreed with anything that the hon. Lady said. She spoke of the excitement of turning 17. In fact, she mentioned looking at cars when she was 15 —that is even more excited than I was. I remember well looking forward to being able to drive and the freedom that that would give me. My issue was that my driving was delayed by the fact that I failed my first two tests, but then I did not pay for any lessons, so at least I was saving money.
My 17-year-old daughter is just about to start her learner driver journey in the next couple of weeks. Like the hon. Lady, she does not fully appreciate the cost of the cars that she is looking at. The cost of living was mentioned; the cost of lessons ain’t what it used to be, either. The hon. Lady mentioned how difficult it is to learn to drive and pass the test, not least because of limited test appointments, facilities and resources, which were a particular issue during the pandemic. Things have improved, but there is still a way to go, and I have an issue in my constituency that exacerbates that. The Paisley test centre is based in the St James Business Centre, all the occupants of which were summarily and without any notice whatever given two months’ notice to leave the building, as it is about to be demolished for future plans. I wait to see what the Driver and Vehicle Licensing Agency is going to say about that.
The main issue, as the hon. Lady highlighted, is exorbitant insurance costs for young drivers. Nobody is suggesting that young drivers—and older drivers, to be fair—are not more likely to be involved in accidents, and the hon. Lady cited a number of statistics, but she also made the fair point, which we have to remember in this debate, that most young drivers drive responsibly. The majority are being impacted by the minority.
It is a pleasure to see you in the Chair, Mrs Latham. On Thursday, it will be 40 years since I passed my driving test at the age of 17—this debate has been something of a trip down memory lane for a number of us. Passing my driving test certainly opened up a wealth of opportunities for me, as it has for so many other people.
The hon. Member for Upper Bann (Carla Lockhart) gave an excellent analysis of the many challenges faced by young drivers. She highlighted how being able to drive makes all the difference for young people in work and for those who are not easily connected by public transport. My constituency has a number of similarities with hers, with rural areas and a lack of public transport in places. We have the highest level of car usage in the country, in part because of those gaps in public transport.
Young drivers now have to wait 18 weeks for a driving test date. Those delays have very real consequences for young people who need to drive for work or to study. The Government promised action to reduce the wait, but they have failed to deliver. In October, the Transport Secretary told the House that the Driver and Vehicle Standards Agency had a plan to get within a target of nine weeks in the next few months, so perhaps the Minister can tell us why there are still long delays.
Alongside that backlog, young drivers face particular challenges with the cost of driving. That is especially true of the cost of insurance, which has increased by 98% for 17-year-olds, while average insurance prices have increased by 58% over the last year. The price increases in the UK have far outstripped those in the EU, where prices increased around 10% between the beginning of 2021 and the end of 2023; over the same period, the price almost doubled in the UK. Analysis from EY suggests that insurance premiums are expected to rise a further 10% in 2024.
Labour is committed to addressing these increases in insurance premiums if we are fortunate enough to form the Government in the coming months. We will consult industry and consumer groups on ways to crack down on unfair practices by insurers, such as lack of transparency over auto-renewals, the rise of hidden fees and the poor value of insurance products. We will also task the Competition and Markets Authority and the Financial Conduct Authority with investigating the high costs of insurance. When the CMA carried out a similar review in 2015, it found evidence of hidden fees. It is time for a further review. I hope the Minister will agree with me to that extent. By taking steps to tackle unfair practices and hidden fees, Labour’s plan could save young drivers hundreds of pounds per year by allowing them to choose the insurance policy that is right for them.
This is supported by statistics from the Department for Infrastructure and the Northern Ireland Statistics and Research Agency, which show that young drivers are over-represented in Northern Ireland’s collision statistics. In 2021, 17 to 23-year-old drivers were responsible for 23% of all fatal or serious collisions, yet they accounted for just 7% of car-driving licence holders. They also show that young drivers were responsible for 73% of the casualties in collisions involving drivers aged between 17 and 23. The over-representation in fatal or serious collision statistics is also represented in the Department for Transport’s road safety accident statistics and Great Britain driving licence data, which was used in a House inquiry on this issue that reported in March 2021.
We must also factor in the inflationary pressures on motor repairs and claims. While like-for-like quarter 4 figures for claim costs are yet to be finalised, previous quarterly and annual claims data have shown a clear picture of spiking costs for insurers. Payouts for vehicle thefts rose 35% in quarter 3 2023 versus 2022, longer repair times drove up the costs of providing replacement vehicles by 47% in the same period, and the cost to replace written-off vehicles has increased as the average cost of new cars has risen 43% over a five-year period. However, the largest single factor is repair costs, which jumped 32% in quarter 3 to £1.6 billion of the total £2.54 billion. That reflects a mixture of labour costs, rising energy costs, which we are all too aware of, and the fact that vehicles are becoming more sophisticated, with the likes of electric vehicles requiring even more specialist expertise to repair.
I have written to the Treasury suggesting that the Government, in their engagement with the Financial Conduct Authority, press for closer scrutiny of the industry to determine whether the basis for price increases cited by the ABI and facing drivers is a fair reflection of the pressures on the insurance industry. Many insurance companies known to us have merged and have left the market as a result, exiting from even insuring in the United Kingdom because of the high claims culture and the issues that I have raised. We therefore need to create an environment for these people to come back. They must know that the Government are implementing safety measures that help to drive insurance premiums down.
I note the Government’s response to a petition on this matter, which emphatically ruled out a Government commission. The Government have ruled out any investigation or interference in the market. Although I am realistic about the prospect of a Government U-turn, I believe that other steps can and should be taken to get young drivers on to the road, and importantly, to do so safely for themselves and other road users.
Faced with an industry that provides this basis for the increase in premiums, how can the Government help young drivers towards the rite of passage that is driving? The direction taken by Government must be to support better, safer driving. Let me be clear: most young people drive responsibly and safely, but, as with so many aspects of life, the majority suffer because of the actions of the minority, and that is undoubtedly the case here.
The Government could bring forward a number of measures to help reduce the number of accidents involving young people and thereby reduce the premiums for young drivers. Many of them may not be what young drivers want to see explored, as they all bring some form of restriction on the freedom that they desire. However, given the situation with insurance costs, we must look at all ways for young drivers to force the hand of insurers to reduce those premiums.
A graduated driving licence scheme is one such initiative. A graduated driving licence is the most effective intervention in reducing incidents and fatalities for young drivers. Based on extensive analysis, the scheme could include a minimum 12-month learning period before the driving test can be taken, a ban on intensive driving courses, lowering the age at which young people can learn to drive to 16 and a half, a restriction on the number of young passengers a young driver can carry, a restriction on their driving during nighttime hours, or a lowering of the blood alcohol concentration for drivers aged 17 to 24. All those measures seem fair and compatible with getting young people on the road soon after they turn 17, but more safely. GDL has significant public support. Research shows that the savings, both in terms of lives in road accidents and financial cost, would be significant.
The Government’s 2019 road safety statement indicated a commitment to reviewing GDL in the UK, but that has not been progressed yet. It is my hope that a restored Northern Ireland Executive can progress the agreed policy of GDL in Northern Ireland soon. Indeed, as envisaged by the previous Minister, the right hon. Member for Hereford and South Herefordshire (Jesse Norman), that could be a testing ground for the policy’s effectiveness. Can the Minister outline progress towards that becoming a reality in England, so that help can be given to young drivers in relation to both safety and insurance?
The Government could also support young drivers through financial assistance for installing telematics in vehicles. Those devices can monitor driving and driving behaviour, thus helping to encourage safer driving. However, they can be expensive and, in the context of this debate, which covers cost as an inhibitor to driving, it would be good if the Government explored means of supporting the provision of those devices to young drivers.
I am conscious that other hon. Members want to contribute to the debate and I look forward to hearing other ideas about how we can assist young drivers in our constituencies. In conclusion, I stress the importance of allowing young people the freedom to drive and the necessity for that to be affordable to all. I urge the insurance industry to heed the plight of young drivers and, through transparency and fair pricing, to avoid any accusation of profiteering or unfair practices. I also urge the Government to explore the viability of providing some direct support and to look at how our licensing system can be modernised to help cut both the casualties and the cost of driving for young people.
We discussed all the possible options. One of the most important steps forward is an industry-supported training solution so that, once someone has passed their driving text, if they go on to further training, they will get cheaper insurance because the insurance industry recognises that they are likely to be a more responsible and careful driver. The argument that came back was, “Well, that’s a self-selecting group of people.” Yes, it is, and those are the guys we want out on the road—the ones who want to be extra careful and extra well-trained. That is something we should really pay attention to.
In Australia, learner drivers are 20% less likely to be killed or seriously injured. That is because Australia does several things differently. First, people can apply for a provisional driving licence at 16 and a half, but they have to drive for 120 hours before they take their test—so they start earlier, but test later. The average in the UK is only 40 hours. Australia has seen that 20% reduction because of that rule. One of the other really simple things Australia does is not allow more than one passenger. Young people can cope with one voice gassing in the back of the car, but if there are loads of them—I think we all remember packing people into the car and popping down to the pub, or whatever, from our younger days—all that noise is bad for the decision-making process that young men’s brains go through when they perceive a hazard.
Having one passenger makes another difference to the insurance industry: on a rather dark note, it means that if there is an accident, fewer people are involved, and therefore the cost of the life-changing injuries mentioned by the hon. Member for Upper Bann is reduced. We can all do something about that right now. As our children grow up and ask if they can take people with them in cars, the advice should be, “Not until you’re a bit older—not until you’ve got more experience on the road. Please don’t fill your car with passengers. Just take one.” That is something we could do today that would not cost anything and would save lives.
Between 2012 and 2021, there was a 260% increase in the number of casualties related to driving under the influence of drugs. Some 32% of young drivers responding to an IAM RoadSmart survey said that they thought illegal drug driving was more common than driving under the influence of alcohol. So we are also dealing with changes in young people’s perception, the risks they are taking, and the risks they are tackling in their everyday lives. The solution is training courses. Training courses can teach them about driving under the influence and other topics relevant to them.
Safer roads are not just about young drivers—we need increased training for all ages. One effective measure we could take today is changing the rules on speed awareness courses. I do not know if any Members present have transgressed sufficiently to do a speed awareness course—I confess that I have, and they are brilliant. They remind us of our responsibilities and the value of education. Why are we not doing that for people who speed every year? Why restrict it to every three years? If it works, which it does, we should do more of it. It may not be as beneficial, but it is a really good way of improving the standard of all of us on the roads, which in turn makes it harder for young drivers to have accidents.
The Australians also introduced a graduate driver’s licence. People do not just pass their test and go straight on to the road; they have a graduated procedure. I am not sure that is as valuable. One of the things they insist on is a curfew so that young drivers do not drive between 11 o’clock at night and 6 o’clock in the morning. However, most young drivers in the countryside need to drive at that time of day because that is when there is absolutely no public transport, so I am not sure how well that would work; but again, they are much more likely to have an accident at night. In 2019, 37% of young driver fatalities and serious injuries occurred between 9 pm and 6 am, so they are more risk at night.
The one thing that would be easy for the Government to do is lift insurance tax for drivers that display the green P, so that if someone displays the green P on their car, they do not have to pay it. That would not cost the Government a great deal because they would make huge savings from the amount the NHS currently spends on patching people up, and the figures for people killed or seriously injured on the roads would be much lower.
Just lifting that tax burden on those young drivers, as long as they display their green P, would deliver a huge improvement in the cost of insurance and would save the Government a lot of money. Furthermore, it would make the rest of us who are driving more aware of the people most likely to cause an accident—perhaps in front us—in a car. That measure would turn the green P from a badge of shame to a badge of honour, and it would help with the cost to the parents of young drivers.
Data is vital to this issue, and I urge the Government to stop using catch-all data, such as “17 to 25-year-olds.” We need to collect data on 17-year-olds, 18-year-olds, 19-year-olds and so on. If insurance companies want to avoid claims, and young people want to be able to afford to drive, we need to do everything we can to make the model work better. Although we are all happy with what is going on, we are not happy with the net result—young people being prevented from driving legally and safely because their insurance is not just double the price of the car; it can be four times the price of the car. I hope that the debate will prompt the Government to act, and lead to solutions for all of us, but training certainly helps.
I have two younger staff members who are learning how to drive just now, and that was where the prices of the day caught us up. First, there is the sheer cost of driving lessons, which is £40 on average for an hour once or twice a week; then the theory test is £23; and finally the price of the actual test itself is now up to £200 depending on whose car is used, because it can vary according to the car.
Not only are there those costs of learning—as my hon. Friend mentioned earlier, when someone passes their test they then have to pay the extortionate price of insurance. I have a constituent who is a nurse. She has been driving for a couple of years and was told by her insurance company that if she was to put a black box in her car, the price would go down, despite the fact that she had never been in an accident or had any road convictions.
My hon. Friend and the hon. Member for North Herefordshire (Sir Bill Wiggin) mentioned that many young drivers now face paying £3,000 to get their insurance. That nurse told me that she bought a new car last week that cost her a similar amount to the insurance, which is unbelievable. How is it that we can compare the price of a new car to the insurance premiums that young people face? One of my good friends, a member of my political party, came to me at a meeting a month ago and said, “Jim, I’m being quoted just over £2,500 for insurance. My wee vehicle is worth about £300 or £400.” He could not understand where that came from.
Unfortunately, it is a fact that Northern Ireland has a higher level of deaths and serious injury from road accidents than the rest of the UK, and it is understood that insurers must take that into consideration when insuring younger people. However, we should not tar them all with the same brush. There must be an element of trust; the question is how we achieve that. The hon. Member for North Herefordshire referred to doing tests and driver training, and looking at each category as people move through it. If people do put a black box in, that should reduce their insurance premiums significantly.
The Government can do more to support young drivers. For example, the Road Traffic (Amendment) Act (Northern Ireland) 2016 includes provisions for a graduated driver licensing regime to improve road safety for newly qualified drivers. So there are schemes in place, but they only work if they reduce the cost of insurance, which is what this debate is all about. The UK Department for Transport has said it will consider the Northern Ireland Department for Infrastructure scheme as a pilot for the rest of the UK. My hon. Friend the Member for East Londonderry (Mr Campbell) raised that very issue with the Transport Secretary in November 2023.
I urge the Minister, who is always responsive and tries hard to give us the answers that we desire, to intervene in relation to investigating the price hikes for our young people. The prices that some face are simply unjust, unfair and unaffordable. We must do more to support them and ensure that they are able to obtain decent prices to properly insure themselves to drive on the roads just like the rest of us. Our young people need a hand. Others have mentioned the bank of mum and dad; I know that is where my sons went. I do all my insurance through the Ulster Farmers Union. I find that, because I am a loyal member, its insurance premiums are a wee bit less than anybody else’s. That helped when it came to insurance for my sons when they got cars. The Ulster Farmers Union has done a whole lot for us, and the same goes for the National Farmers Union here. So there are some companies that try hard, perhaps for loyal customers who have all their insurance policies with them, but there are some that must try harder.
The hon. Member for North Herefordshire (Sir Bill Wiggin) said that the cost of insurance is now up to around £3,000 for some young drivers. I confess that I have not yet looked at the potential insurance costs for my daughter, not least because I do not want my blood pressure to shoot up. One way that some of those costs could be reduced is reducing insurance premium tax for young drivers, which is currently 12% or 20%, depending on the total policy cost. At the moment, that can amount to anything between £244 and £408 per year, which for some of us in this room is more than our annual car insurance premium in full. That would be a welcome move to alleviate some of the pain for young drivers.
The hon. Gentleman also said that male drivers aged 17 to 24 are four times more likely to be involved in a fatal crash. Shocking though that is, it probably is not a surprise to many of us here, having seen and been young drivers ourselves and then grown up. We tend to be a little more macho behind the wheel when we are younger. He also mentioned that Australian young drivers are 20% less likely to have an accident due to the differences in their graduated licensing scheme and the learning processes in place there.
The hon. Member for Strangford (Jim Shannon)—I call him the Member for Strangford and Westminster Hall West; it would not be the same without him in this place—spoke of his upbringing and having a £60 car, which is quite something. I do not know about you, Mrs Latham, but I am struggling to see a young hon. Member for Strangford—I was going to use his name—in his souped-up car with loud exhausts. I cannot quite get that image into my mind. If he has any pictures of that, it would be good if he was willing to share. He mentioned a constituent who had been driving for a couple of years who was told that if they put a black box in their car, their premium would be slashed, despite the fact that they had two years of clean driving.
All the points have been made for me thus far, but I would like to put on the record that, although the DVLA and DFT have no plans for graduated driving licences, there is enough evidence from around the world that, at the very least, we in this place should be looking at bringing them in to increase safety for younger drivers—all drivers, in fact—but also to reduce costs and make it easier for young drivers to get into driving after a slightly prolonged learning period, as the hon. Member for North Herefordshire said. We would love to see this Government looking at a graduated driving licence scheme and perhaps putting one into operation.
Turning to the link between claims and premiums for young drivers, Transport Minister Lord Davies told the House of Lords last month:
“Young male car drivers aged 17 to 24 are four times as likely to be killed or seriously injured compared with all car drivers aged 25 or over.”—[Official Report, House of Lords, 15 January 2024; Vol. 835, c. 221.]
The ABI tells us that claims are highest among young drivers, pointing out that in 2019 they made up 7% of all licence holders but were involved in 16% of fatal and serious crashes. These stark numbers explain why insurance premiums are higher for younger drivers and why improving safety is key to reducing insurance costs for young drivers. The ABI has previously recommended—[Interruption.]