If I was 17, just passed my test and eligable for the scheme, I’d do as @Elliots son and buy/lease untill I was 25 before joining however, thats not to say there’s no nifty looking cars such, as a 0.9l Clio, you can choose for 8 years😂
Definitely hear what you are saying, but while insurance will drop as no claims builds, in the first couple of years we are looking at £150 month for insurance alone, however I do see that even doing HP is an option albeit with the pain of ensuring for example a 17/18 year old is on top of maintenance, tyres, tax, MOT etc etc