Disability insurance companies in providing coverage are essentially laying a bet against the protected individual becoming disabled. Put simply, all insurance is a gamble. Unlike the improvident punter in the casino, the insurance company takes a measured or calculated risk and as such can only do so if fully apprised of the client’s circumstances. For these reasons insurance companies provide exclusions in their policies such as no coverage for pre-existing conditions or for injuries sustained in certain circumstances.
In order to ensure that your insurance pays out when needed it is essential that upon taking out a policy that you fully disclose any specific risks that might increase your chances of becoming disabled. Such risks may be a pre-existing illness or a high-risk pastime. Disability insurance companies do impose a duty on the buyers of their policies to disclose all relevant circumstances to the best of their knowledge. This can only be seen as fair, after all would you bet on a horse, which you knew, be lame?
It is quite an uphill task choosing the kind of life insurance cover to settle for, and the huge number of life insurance companies and brokers do not make it any easier. 
When you are ready to buy insurance for young drivers you are going to want to get several quotes from several companies. The easiest and quickest way to get quotes is online. The internet has sites that will help you to get several quotes at once. Do not be surprised to find the quotes are high.