I agree with this except im too cynical to believe people just forget about safety. People learn to pass the test and then drive how ever the hell they like. Granted alot of people are safe but i see far too many people just completely disregarding anyone else on the road and their only goal is to get to the front of the line as fast as possible and screw everone else.

They can retake their test, they will drive safely and carefully that one day and then go right back to being selfish idiots.

I would maybe go as far as to say thst there is a requirement to have a black box installed in all cars that gets switched off/removed after a number of years of safe driving. And if you drive badly or unsafely then your insurance goes up every year until you prove you are safe.

Maybe it goes up by x amount £100 or like 10% or 20% a year until you stop driving badly but remains at the price it was when you start driving safe for 3 years before dropping back down to the price it would be without the increases you incurred. That would stop people from trying to cheat the system.

It may be extreme but if you are driving safely you have nothing to worry about.

Of course we would have to nail down exactly what counts as unsafe driving so it wasnt overly/unjustly critical.

I mean.... maybe its a bad idea. But again. If its not you then you needn't be worried.