Stop age discrimination by insurance companies, ban unjust cost to young drivers

For years young drivers have suffered due to insurance. Our income is low: we shouldn't incur additional costs because we're young. It's ageist and isn't ethically right. Me and my father recently had storm damage, yet he had to pay £200 for the repair through insurance because of "experience" with only 1 years no claims and I, a 21 year old with 3 years no claims, had to pay £500 excess £200 additional +£150! For being 'classed' as a young driver at a total of £850? This needs to change!