Middle Rasen teenager struggles to get HGV insurance

image captionLizzy Coulson says she is being prevented from working

A Lincolnshire teenager is calling for better insurance premiums for young drivers after she gained her HGV licence but is unable to use it.

Lizzy Coulson who works on the family farm in Middle Rasen wants to drive a lorry but cannot get insurance.

The 19-year-old has been told by one insurer to wait until she turns 23 and another has quoted her £11,000 a year.

Insurance broker Nick Jewitt said statistics showed younger drivers had more accidents and so had to pay more.

Miss Coulson passed her HGV test but not being able to drive the family lorry on the road means she cannot move sheep from field to field to help out her father.

She said: "You have got to give young people a chance.

"It is always on the news about young people needing jobs, and if the government allows you to take the HGV test at 18, why won't the companies insure you?"

'Stats not encouraging'

Mr Jewitt agreed the costs quoted were expensive but said statistics showing the high number of young people having accidents did not encourage insurance companies to charge lower premiums.

He said some specialist farm insurers were aware of the need to be more flexible on pricing but not all companies were as helpful.

Linsey White, of the Association of British Insurers, said proposals to help reduce insurance premiums included introducing a minimum one year learner driver period and reducing the number of young passengers new drivers can carry.

She added: "The sad truth is that young drivers are paying higher premiums because they have a higher risk of being involved in serious accidents.

"If our proposals are implemented by the UK government we are hoping to see a 20% reduction in premiums."

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