Insurance Idea, if only....

gjudge said:

that sounds a bit backwards because if you are out between 11pm and 7am is there not less risk ie less cars on road more space to move and not hit anything where as rush hour can be a high risk area lots of cars all in a rush to get some where i persanlly always find it less stressfull driving at night rather then during the day never seams to be the ****s that want the next exit cutting across you because the out side lane is moving 1/2 mph faster

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younger drivers are more risk at night, generally the drunks were also crashing at that time too, people falling asleep at wheel etc-my experience of recovery work.

Very nice in theory but I dont think MORE legislation is going to help the situation.Its a poor analogy but if you outlaw weapons then the only people with weapons are the people who dont care about the law.With the side benefit that you criminalise some previously law abiding citizens to.

OK,I know the example isnt that great but it does illustrate a point - that the people driving around with no insurance will ignore new regs the same as existing ones.

I agree that it would be nice to have insurance based on your ENTIRE level of driving competancy.At the moment someone with a 20 yr clean license can have a parking lot shunt and get 8+ points and pay through the nose for years for one slip up.

What is needed is positive inducement (which is partly the OPs point) and not blind punishment.And what better inducement than cash ? But it still leaves the situation that the people that pay are the people who obey.Those outside the system just carry on ,laughing.

fanatic said:

younger drivers are more risk at night, generally the drunks were also crashing at that time too, people falling asleep at wheel etc-my experience of recovery work.

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drunk drivers crash during the day too or can they drive fine drunk in the day is only at night they crash only kidding know what you mean and if your drunk comes down to no insurance again and i got nothing to say against tireness if you tired and driving unsafe cause you are tired dont do it