Insurance premiums force young male drivers off the road

As high risk members of the driving community, the insurance premiums faced by young male drivers means many simply cannot afford to insure their car.

Young drivers can't afford insurance
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Research by Which? found that premiums for young motorists have risen by a massive 50 per cent over the last year with insurers quoting anything up to £22,000 a year for youngsters.

The consumer watchdog spoke to some 30 companies to try and buy insurance for an 18-year-old male with a 1.4 litre Citroen Xsara. Of those 30 firms, only seven offered cover.

And things weren't much better for a man of 23 - even with a no-claims bonus only nine firms were prepared to offer insurance.

A Which? spokesman said: "The outlays our drivers faced were alarming. Annual premiums for the 18-year-old range from £6,413 with Admiral to an eye-watering £12,470 with Co-operative Insurance.

"Our 23-year-old would pay anywhere from £2,585 with Admiral to £6,277 with Endsleigh."

For the same men driving a two-litre Ford Mondeo living in South East London, the premiums went through the roof - the 18-year-old was quoted £22,000 by, while the 23-year-old could expect to pay £10,000 a year if insured with Green Insurance.

These shocking figures will surely force young male drivers to choose one of two options... forget about owning a car, or risk driving without insurance.

Which? advised young motorists that taking the Pass Plus driving test to prove their road safety awareness in order to get a better deal.

What do you think? Will such high premiums encourage youngsters to risk driving without insurance? Leave a comment below...