As a young driver, you already have high insurance rates to contend with when you first pass your test. These rates rise substantially if you receive points on your licence for speeding.
One way to help reduce insurance premiums is to complete a Passplus / Pass Plus Cymru course. Passplus / Pass Plus Cymru is a scheme backed by insurance companies, the Government and the Driving Standards Agency (DSA).
It is designed to help you to be a better driver and so to avoid being involved in a collision.