[pgarner]

it depends on what bike test you sit. you are only limited to a 125 until you pass. with 1 i think still limits you to 125 but no L plates, the other is unlimited. this to me causes problems as well as someone who is 21 and can sit the big bike test can go from a 50cc engine to a 900cc.

the problem with letting insurance companies deal with it are

the ones who drive mummy and daddys car on their insurance just as a named driver
if insurance gets much higher for young drivers then they might just not bother with it. what is the current fine for driving w/o insurance last time i heard t was 3 points and £60 fine. well the 3 points aint going to bother you if you dont bother insurance and the £60, well its cheaper than the £2k they might have been paying.

what i think would be an idea was that your silly low insurance groups 1 and 2 should be made cheaper for young drivers say around £600 a year as long as they are not modified in ANY way. and price them out of the higher insurance cars.

this has shown up on many forums all over the place. i remember the msn one saying that there is no point in just sticking them to 1.0ltr things as they will just modify the engine to get more power without the insurance company knowing. at least there was someone with sense on there and pointed out that small engines are a waste of time youd have to spend all this money for 10 bhp increase it would be cheaper just to get the bigger car and insure it.