In this light, it is understandable that premiums are weighed against this particular group of drivers. Having said that, however, it is equally understandable that there is such general disgust at a policy that obviously discriminates on the basis of age alone. It is completely unfair to tar all young people with the same costly brush. Not every 28 year old is a menace behind the wheel. Similarly, not everyone over 28 is a naturally gifted, accident-free driver. This is exactly the generalisation that ensures young drivers – it is slightly cheaper for young female drivers – on the whole pay much more than twice the average car insurance premiums.