This is a serious topic that is going to have to be addressed,Govt. are coming under serious pressure over this,this was discussed on Today FM during the week,Irish insurance companies made somthing stupid like 40 million(dont quote me).They said that a typical young male driver paying 4600 was paying way over the odds,insurance companies were making 2300 clear profit on this.Insurance guy could not defend this,there was no even proof or stats. to say that young male drivers were a higher risk.Like everything else in this sh*t hole of a country we live in its just another organisation relieving you of your hard earned cash.regardless of your age or quote they say that we are all been ripped of by 50%