I recognise that the rising cost of motor insurance is a problem to young people. The higher premiums faced by young drivers reflect the cost to insurers of providing cover but the Government are concerned that it may tempt some to drive uninsured. The issue has been raised in correspondence to the Department and at the recent Transport Select Committee on the cost of motor insurance.I wish to work with the motor insurance industry to identify ways in which we can develop insurance products which offer incentives to those young drivers who may be willing to accept restrictions or take additional training. A seminar to look at the issues is planned for May. There are no current plans for formal consultation.