Driving, me mad?

I have recently turned 17, and for those living in the Britain will know all to well that this is the age that a person can legally learn to drive. this is a very exciting prospect is it not? well to be honest i have found it a nightmare, not only is the initial cost high ( you have to pay £50 to get your provisional license) but it is becoming harder and harder to pass, the theory exam questions not only your knowledge of the road and its workings but now you have to know about insurance and all sorts! to make things worse you have a margin of about 4 wrong answers and if you manage to pass you can then move onto (providing you are sufficiently capable behind the wheel and can pay the £90 ) the practical test. the practical test is not only as difficult as the theory but you have now got to drive perfectly and locate and arrive at a pre-named destination without the help of anything but roadsigns.
Well if you can manage all that and you want to start driving you have to buy a car, prices of which are varied enough to suit any new driver BUT this is not the issue, the number one reason why young people don't start driving until they reach there 20's is because the insurance premiums for young drivers is monumental. i got a quote for a 1.2 polo on my own policy, i live in a reasonably nice area on the countryside with off road parking and my quote was £3000! this is a joke and it means that most middle class families are unable to afford such a cost. personally i think it would be a good idea for some young bright spark to start an insurance company that is designed for first time young drivers, and undercut the main insurance brands to give yourself a monopoly in that sector...but what do i know.