My mate is high up in one of the big insurance company's and I was asking him about the costs for youngsters, our mutual mates boy is paying 4k for a 1.2 Clio. His reply was, get kids on scooters at 16, they have 1 years no claims and road experience, buy an old car so less to pay out if binned than a new car, get a 2 seater, if youngster then crashes they have less compensation to pay as only 1 passenger, instead of 4, also look at classics, you don't build up a no claims but your on the road and when you hit 21 hopefully got a better job and can then get what they want and pay for it themselves