The cost of accidents is on the rise

On average, each day there are 35 road deaths and serious injuries among people aged 15-25.

And the cost of insuring young drivers has increased by 22% over the past three years, compared with just 2% for all other motorists.

Premiums for young drivers could soon become unaffordable, CIS warned.

"If this trend continues, many young car owners will be unable to afford insurance and that will inevitably lead to a rise in the number of uninsured motorists on the roads," David Neave, CIS director of general insurance, said.

'Invincible'

The Association of British Insurers (ABI) recently warned that rising personal injury claims and accidents involving uninsured drivers - many of them young - could lead to premiums increasing.

Co-operative Insurance, along with road safety charity Brake, has produced an education pack for schools entitled Too Young To Die.

The pack contains safety tips and dramatic first-hand accounts from accident victims.

"Too many young people think they are invincible and fail to consider how their dangerous actions behind the wheel can kill and maim themselves, their friends and other road users," said Jools Townsend, head of education at Brake.