Re: Certificates
"Young car drivers made up 18 per cent of all car drivers involved in reported road accidents in 2013. However, this is considerably higher than the 5 per cent of miles they account for."
See here
"The Department for Transport (DfT) says there is no evidence older drivers are more likely to cause an accident, and it has no plans to restrict licensing or mandate extra training on the basis of age."
See here
"As can be seen in the above chart, drivers aged 16–19 were 38% more likely to be killed or seriously injured than drivers aged 40–49, and drivers aged 20–29 were 65% more likely to be killed or seriously injured than drivers aged 40–49."
See here
It appears multiple sources of real world statistics show your personal observations to be incorrect.