I think the line should be incremental, based on previous years incident free driving. E.g. a 23 yr old that’s just become eligible for the scheme but has 3+ years ncb from previous history (as policy holder not named driver) should be able to have any car. Whereas a 26 yr old with no driving history or ncb should have to start at the bottom, as it were.
Totally agree especially Elliots son who by the age of 18 had two years more experience than the vast majority.