There's a good reason insurers charge more for under 25s if they cover them at all. If you were in their shoes, you'd make the same "discriminations." Tell me why I and other over 25s should pay for your repair bills! Heck, might as well just send me your address and ask me to post you a cheque for a couple hundred quid! We paid our dues when we were your age so quit whining and get on with it.