According to GoCompare, almost 20% of young drivers are driving around uninsured. About 80% of them are “fronting” – using insurance in the name of a parent when they are the main drivers. I’ve written about fronting before.
As unpalatable as it may be, fronting amounts to not having any insurance. If you had an accident, the insurer would refuse to pay out because the insurance would be void. The study also found that a quarter of young drivers struggled to be able to afford to run the car at all, and a third got financial help from their parents. A third also used other people’s cars, imagining themselves to be covered if they had an accident.
When you add it all up, I’d estimate that over half of young drivers are clearly too stupid or too arrogant to deserve a licence in the first place.