YOUNG drivers, defined as those under age 30, are required to pay up to three or four times the level of motor insurance than their older counterparts. In view of this fact any advice on how to cut the cost of premiums is welcome.

The Irish Insurance Federation has just produced a leaflet - Insurance Advice for Young Drivers - which recommends that the young driver:

(1) Get experience as a named driver on a parent's policy;

(2) Take the Driving Instructors Register (DIR) special driving course;

(3) Pass the driving test as soon as possible;

(4) Choose a modest car and keep it roadworthy.

The leaflet also recommends that young drivers also avoid drinking and driving, obey the speed limits, drive carefully and learn to drive defensively. The report notes that young drivers tend to be involved in a greater number and more serious accidents than older motorists.

There is no obligation for any insurer to quote for high risk age groups - though PMPA and Church and General are probably among the best known for insuring young drivers - but if you are refused cover by five different motor insurers you can still demand cover under the Declined Cases Agreement which is administered by the Insurance Information Service, part of the IIF. Telephone (01) 676 1914. Copies of the advice leaflet are available from any IIF member company, the Driving Instructors Register, the AA, Dublin Corporation and youth groups.