If one took the example of a young woman in that situation she would receive more quotes but her quotations would certainly be higher than the value of the car. This is serious discrimination. If one were to use the example there of someone who had a full licence the person would receive more quotes but the premiums would be utterly unacceptable. The result of this is that young people who have to drive have to borrow money and get into debt to get insurance, which is current expenditure, thus putting themselves into a very difficult financial situation.