your premium is likely to be significant if you're a new driver, especially if male and under the age of 30 and driving a rice-wagon
a sub-litre rustbucket of a vehicle with half of halfords bolted to the top half, and half of maplins illuminating the bottom half
"your premium is likely to be significant if you're a new driver, especially if male and under the age of 30 and driving a rice-wagon" What is the definition of "rice-wagon"?