The group of drivers most likely to be uninsured and unlicensed are young males living in urban areas, according to a new report.
Research has shown that 60% of people convicted of uninsured driving - often because they have been caught driving recklessly - are under 25, while half are under 20.
The Institute of Advanced Motorists (IAM), which published the report in its magazine Advanced Driving, believes that education is the key to preparing young people to drive safely after their test.
Neil Greig, director of the IAM Motoring Trust, said: "We don't want to demonise young drivers, but research shows that uninsured drivers are typically young males living in urban areas.
"These drivers have a high risk of crashing and there is a perception among their peers that they can 'get away with it'. Young people must be convinced that the only way to drive is fully licensed and insured.
"The majority of safe younger drivers should have their efforts supported. They should know that the police and justice system targets the reckless minority that break the law."
Mr Greig called for a better system to require those identified as being reckless drivers to go on a rectification course, even for minor offences.
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