I would say that alot of 17-20 yr olds are driving on iffy insurence. By being a named driver or a parents policy. But tbh its not suprising... When i was younger (not that long ago ;)) i drove for a couple of years as a named driver on my dads policy. It was really the only way i could afford to drive...
for example. on a H reg 1.2 clio (no mods)18yrs old, the cheapest policy i could find was £1300, now that is ALOT of cash for someone just leaving 6th form to stump up.
Now that im older i drive on my own policy, but even that can be a struggle when re-newal time comes around...
i know ins companys are their to make money.. but insurence is unbelivably expensive for young drivers and i have a feeling that they some dont pay because they cant afford to. And if they cant drive they cant get to work, wich means they cant make any money, etc.
Just my incoherent thougts on the subject.
(.,.,.,.,.,.,.,.,.,) <-free puctuation for anyone to add to the above post :D