I'm 18 and I have currently lost my job, I have a small amount of money in savings and I own my car, but because I'm under the age of 21 nobody will do a 'short term' insurance quote for me. I have been driving for nearly a year and the only accident I have had was when an older driver reversed and crashed into me. I agree with what some people say about young drivers being a danger to other drivers by 'showing off' or acting like a fool behind the wheel but the majority of younger drivers need their motors to get either to work or use it for recreational means such as taking your partner to the beach on a nice day or going to wales with my mates, but I can't do that now because the insurance companies wont touch me. I think the insurance companies need to wake up and realise who the dangerous drivers are and punish them not the honest and half-decent drivers who actually need to have a vehicle.