Originally Posted by Lister of Smeg

Do they? Can you provide me with any credible links to backup your comment?

I've being driving over 5yrs now, not one accident (touch wood) yet a lady down the road from me, much younger, new driver, able to drive a newer car than me, pays half what I pay. Surely, you see where I am coming from?

I'm being penalised for someone else's mistake!

If ALL 1st time drivers were charged with zero history, it would be much fairer!