I'm not sure about that. The flip side of that is that my standard insurance insures me on my car, but I'm also insured to drive someone else's car too without further premiums required.
Well.....that's not quite true - British insurance usually covers you for driving other cars, but only gives you 3rd party insurance....so I would never risk driving someone's car unless it was some really old beater not worth much.
So an experienced driver is subsidizing young drivers