Nobody will maintain that, in statistical terms, young men in particular are not the most dangerous group of drivers. As everybody has seen, the statistics show that what are called the responsibility rates for young drivers – particularly young males – are extremely high. The second highest responsibility rates are among young women. The insurance companies have seized upon these responsibility rates and have imprinted them on the public mind so successfully that they have been able to punish these young people with exorbitant rates, proportionately far higher than the number of accidents which they cause, according to the statistics. The safest group is older women, the second safest group is the middle aged, the third is younger women and young men are the most dangerous. Statistically, the situation is now such that insurance companies and the public can justify penalising young drivers to such an extent that they cannot get insurance. I do not think this is justified.