Crackdown on Beach Speeders

This is not true and is basically discrimination. Individual ability varies greatly across superficial criteria like this, and the determining factor should of course be ability. NB a huge number of collisions are caused by younger drivers. Would you want to discriminate against them, too, on the grounds of lack of experience?
Yes it is true, and yes it is discrimination, and yes it is legal to discriminate in this way.

Old people DO have slow reaction times (and more accidents), on average
Men DO drive too fast (and more accidents), on average
Women DO have more accidents per mile, on average
Women DO have less fatal accidents per mile, on average
Young drivers DO have more accidents, on average
New drivers DO have more accidents, on average

"White van man" etc

All of these are reflected in insurance premiums. Of course, they are only stereotypes/averages and do not reflect everyone, or even the majority of people. I was once a new and young driver, I didn't have any accidents, crashes, or insurance claims. Does that mean new and young drivers are all safe? Obviously no.

Whilst you may live in a fantasy world where everyone is equal, that is not the case. Having done data mining at university, I can tell you that even your postcode can affect your insurance premium.