Insurance companies are exempt from the Equal Status Act, rightly or wrongly, and the criteria which they use are age, gender, class – a job, in other words, which is class to some extent – and location. I suggest they ought to use the safety record as the priority in respect of a young person. The age criterion which they use is an extraordinarily crude instrument. What about the young men and the young women who have seven years of safe records? That is possible for a 25 year old. Those people are being penalised for the very dangerous people who are in that group. That is unfair. Those people should not have to pay for the excesses of other young people or of older people. There a lot of very dangerous drivers amongst the aged and the middle aged.