The Association of British Insurers says a minimum 12-month learning period would enable young drivers to gain more supervised practice.
Novice drivers should be subject to restrictions on night time driving and a reduced drink driving limit, according to the Association of British Insurers.
It also recommended learners spend at least a year displaying their L-plates before being allowed to take a driving test, although young people could start learning six months earlier than the current age limit of 17.
The minimum 12-month learning period would allow young drivers to gain more supervised practice, the ABI said, as it called for graduated driver licensing for the first six months after passing a driving test.
This would include restrictions on the number of young passengers that can be carried by a newly qualified driver, restrictions on driving between 11pm and 4am, and no blood alcohol content.
Read more: Drivers should spend a year as learners, insurers in Britain say | Money | guardian.co.uk
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