The committee is concerned about some of the key issues: the link between the rating of premiums and claim costs for young people; the greater frequency and cost of accidents caused by young drivers; the impact of premium costs on all drivers; concerns that young drivers are paying higher premiums because of the sins of the few and that young female drivers, in particular, are subsidising other age groups; international comparison of premium and claim costs, particularly the lower cost of insurance in Britain and the checks and balances there for road safety and claim processing.