@kezo Yes, I should have said that I appreciate that insurance has rocketed in these last few years, although my youngest was still under 25 until 2 years ago. The point was more about the tip to add a named driver. Martin Lewis recommends this approach as well. It massively reduces the premium versus an under 25 insuring as the sole driver and is a far better (and more legitimate) approach than when parents insure themselves as the main driver and have the under 25 as a named driver. That approach is also daft as the young person doesn’t build up any NCD in their own name. I fully appreciate that insurance has got daft though and I’d be surprised if any under 25 who is eligible for the scheme would find it better to go elsewhere, unless they are a real petrolhead!