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The fact that Insurance is so costly for young drivers proves they are classed as a high risk, if they drive carefully an collect no claims discount well done to them.
If someone has points then they have done something wrong and should pay for that in their insurance premium until the points are removed, if someone committed a murder and was a model prisoner for a few months in jail you wouldnt expect them to be let back out on the streets until they had finished their punishment.
No matter what, inexperienced drivers ARE higher risk than someone who has been driving for a good few years and is more aware of roads, speed and most importantly learning to calculate what some other idiot is about to do on the road.
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