apparently if you are over 21 that makes you a better driver, and if you are over 25 then your driving skills are comparable to god, or so the insurance co's reckon!
I lot of people here at uni passed their test at 17 and are just sitting on their license till their 21, then they will get cheaper insurance than me
It really sucks, I know the limits of my car, I know the limits of most other popular cars on the road (driven a lot of cars) and know what I will keep up with if the need is required. I think part of the driving test should be proving you know where the limit of grip/bodyroll is on like a test track, and if they can't get under a certain time without crashing or making the examinar crp himself they shouldn't be allowed on the road!