Insurance companies are unconscionable. They do not realise, or certainly do not want to be made aware of, the hardship they are imposing, on young males in particular. I recall that when I first started driving, there was a certain policy available for women. At that stage the policy for an 18 year old female with a full licence included a large deduction not available to a male in similar circumstances because it was presumed that women were safer drivers than men. When Ms Dowling went looking for this information, it was not forthcoming. The insurance companies stated they were the statistics. When asked to show the figures which had led them to that conclusion, they could not do so. One would have to draw the logical conclusion that the assumption was unfounded.