Survey: Car insurance premiums fall

While 32 I have only had my license for about a year now, I chose to let my wife drive because it was the cheaper option when we were younger, I drive a £12,000 2 year old Zafira, I have no more experience than your son yet my insurance was just under £800 fully comp, it make little sense that I should pay less than your son because insurance firms refuse to accept the new evidence coming through, people are learning to drive later in life because it’s cheaper, that one of the reason accident rates for older groups has increased, more new drivers are older and new drivers are more likely to claim than experienced drivers.
Since the early 80’s the statistics have been showing trends that the insurance industry have ignored, they should be ignoring age as a descriptive factor because it actually has very little impact, driving history is all they should consider about the driver.

Its all down to accident causes.
Clearly going by the prices that insurance companies charge, far more accidents must be caused by young inexperienced drivers than old experienced ones.
The insurance industry knows more than you or I, since they have the information.

Young people are more likely to make a claim, i never said they weren't, sorry if that didn't come through well, but most claims to young drivers are for smaller sums, they tend to hit things other than cars, lamp posts, wall and skips are common. Older drivers are also considerably more likely to be involved in fatal accident, this again doesn't indicate the cause of the incident, older people tend to be more frail and more likely to suffer serious injury and death.

As to statistics, seven studies examining trends across the past sixty years all show the same, men are more likely to break the speed limit, almost 60% more likely, the number of proportion of accidental speeding is about even (those speeding slightly without realising) there is a disparity in the active speeder (the driver who thinks it’s okay and enjoys it) men are more likely to drive faster because they want to.
Wasielewski in 84 however couldn’t find conclusive evidence of this trend throughout Europe.
Furthermore six studies have found women under 21 and men under 21 are both equally likely to speed, however they are not the worst offending group as that would be the 21-25 group, except on motorways where it tends to be 25-30 year olds.
When examining the incident rate for those who speed we find 64% of those who are caught speeding are involved in a traffic collision within 12 months, there isn’t evidence that their crashes were caused by speed but only that those who speed are more likely to be in an accident.
Already we see that the most expensive group to insure are not those most likely to speed, nor are they the most likely to crash, 21-30 are both more likely to speed or to be involved in an accident.

The insurance industry isn’t being entirely truthful when they say young people are the biggest risk, the statistics being gathered for 20 years isn’t supporting it, I’ll be accused of bias so I’ll say now I’m 32 and fall into the second least likely group to claim, only people 41-50 are less likely to claim than those 31-40, so I already get cheaper insurance than the young driver.

Examining driving history is a far better approach to determining indicators of risk, a fixed rate reduced or increased based upon how you've driven.
Say for example £1000 per year when you get your licence, which decreases with time and millage travelled, every time you have an infraction the premium goes up, middle aged drivers, like myself and I expect you would benefit by having clean history and our premiums would have reduced, while risky drivers who are making many claims and have many infractions would see their premium increase.