The Association of British Insurers is calling for legal restrictions on young drivers to help bring down premiums.
The industry body says the actions are needed because young drivers are more likely to crash, more likely to cause injury to multiple passengers, and more likely to make particularly expensive claims.
The ABI recommendations come from an examination of driving laws around the world. It wants the age people can start driving lessons reduced by six months to 16 and a half, but a minimum period of 12 months from starting lessons to getting a license. The proposals would also mean drivers couldn't qualify having only taken an intensive driving course.
The group also wants special restrictions in the first six months after a youngster passes their test. During this time they'd only be allowed to carry a limited number of passengers, would have a drink drive limit close to zero, and would not be allowed to drive between 11pm and 4am unless for work or education-related purposes.
The suggestions have met with a poor response from newspaper website commenters and seem to have little chance of coming in to law. Some have suggested the insurers should instead band together and make the rules a requirement for cover to be valid.