Young drivers should be banned from driving late at night to cut the number of accidents, the Association of British Insurers have suggested.
Speaking at the ABI motor conference on Tuesday, Otto Thoresen, ABI's director general said 18 young people die or are seriously injured on Britain's roads every day.
"The time has come to seriously consider tougher measures such as a zero tolerance drink-drive limit for drivers under 25, graduated licensing, and restrictions on driving at night and in the early hours," he said.
The ABI suggest that drivers under 25 years old be banned from driving between 11pm and 4am. It points out that while only 12% of license holders are in this bracket, one in four people killed in road accidents were a young driver or being a driven by one.
But Mike Penning, road safety minister, said the government had no plans to "unfairly penalise responsible young people who rely on driving to get to work or college".
Nick Starling, director of general insurance at the ABI, said: "Ministers need to worry less about losing votes from young people and start taking seriously the threat young drivers pose to themselves, their passengers and other drivers."