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Young UK drivers less likely to make motor insurance claims

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British drivers under the age of 25 are less likely to claim on their car insurance than those in some of their European counterparts, including those in Spain, France and Germany and are considered a better insurance risk overall.

According to research from Axa, motorists under the age of 25 years old in the UK are more than 30% less likely to claim than those of a similar age in Spain or France and around 25% less likely to claim than the under-25s in Germany.

They are also less likely to speed on a motorway with 24% of drivers under 25 years in Britain admitting to significantly exceeding the speed limit on the motorway against a European average of 38%.

The research though also revealed that 52% of under 25s in the UK know someone who was involved in an accident last year underlining the fact that, while they may be better than others in Europe, young drivers in the UK are still high risk. In fact, a report from the ABI last year showed that young drivers are 10 times more likely to be killed or seriously injured than more experienced drivers.

As a result of the generally higher risk, the cost of young driver car insurance is generally higher than that for older drivers.

Craig Staniland, AXA Insurance director for motor said: “Young drivers are more likely to indulge in dangerous behaviours than others and more work needs to be done to educate them about the risks.


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