And I completely disagree with you and the insurance companies strongly agree with me and disagree with you also.
Agree in some ways but disagree in others, I find that older drivers, forget some very simple but important aspects of driving, every time i go to work, which involves a number of roundabouts, older/more experienced drivers fail to use indicators, or take up the entire roundabout, which is dangerous for those waiting at the junction as they may pull out but the driver is coming all the way around but has not indicated so. Not only this, but as a young driver myself, I have found on a number of back roads, that despite doing the speed limit, people still ride your ass, expecting you to speed up. IMO older drivers, think because they have been driving for so long, they can ignore the basics, which is dangerous to other road users.
However, I do agree that young drivers, are more likely to drive either drunk or recklessly, a friend of mine seems intent on killing himself, with the stunts he attempts, and the speeds that he goes, but don't think it is fair to generalise that to just young drivers, I have seen many of my pubs regulars drive home after 10+ pints.