Sort of the reverse operates in some countries, like the US. I lived in New York for 3 years, and the motor registration dept. has a computerised system linked to an insurance database that ALL insurance companies can access. What this means is that any "moving violation" (e.g. speeding, running a red light, drink driving etc.) results in an entry in the insurance database. Then what happens is, in addition to any fines or demerit points on your license, you IMMEDIATELY begin paying more for your insurance. The logic is that people who commit traffic offences are at greater risk of having more accidents etc and should pay more for insurance. It is a true "user pays" system. What I would like to see in Australia is not just limits and curfews for P Platers as an incentive not to break the road traffic rules, but also a reward of sorts in terms of lower rego or insurance costs for those who do obey the rules or who seek out advanced training. Then you have not just a carrot, or a stick, but both. And surely then most who are tempted to consistently speed or otherwise break the rules will learn that it is a costly behaviour?