Unfortunately, young and inexperienced drivers are known to be at higher risk of having an accident and making a claim on their insurance.

The road safety charity Brake has research showing that drivers aged between 17 and 19 years old make up just 1.5% of all UK drivers, but have around 9% of fatal or serious road accidents when they are driving. 16 to 19 year-olds are a third more likely to die in a crash than older drivers, and one in four 18 to 24 year-olds crash within two years of passing their driving test.

Insurers base insurance premiums on risk, so it's not surprising that this kind of data can increase the cost of insurance for young drivers under the age of 25, and perhaps more so for new drivers under 21. And if you've been unfortunate enough to have had an accident or a conviction, you might find it even harder to get on the road.

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