I accept that there are difficulties with regard to young drivers seeking motor insurance. Like most public representatives, I receive a constant stream of representations from young people who are seeking motor insurance and having difficulties in obtaining a reasonable quotation, or in some cases receiving a quotation at all. Unfortunately, there are difficulties across all areas of insurance, from motor insurance to employers' liability insurance and public liability insurance. Increased insurance costs now constitute a major threat to the existence of some companies and have serious ramifications for the economy in general.