*2.2.4 Risk taking and risk awareness*

Risk taking and risk awareness can be critical for all travellers. The reasons for accidents differ considerably between older and younger people and most insurance premia follow a U-shape with age, with by far the highest premia at <25 yrs., dropping to age 30 where they remain low until the late 60s. Accidents and injuries are caused by different elements at different ages: selecting and processing information in a complex task may be causative for older drivers accidents, whereas overestimation of personal skill, sensation-seeking and a preference for risky driving, reaction times and ability are causative for younger drivers [32, 37, 42, 43].
