Priviledge Car Insurance.


The Concept.
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New Points System.  

[Details]

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Introduction.
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It would be an integral part... of this scheme that a new points system was also introduced.  [One Report would = one point on a driver's licence: regardless of the number of offences mentioned.  Each Report would have many individual 'Bits' of Information: which could be 'retrieved' in many different ways to produce Data: Statistics: or give an insight into the Road Culture.]  Although it would require some changes it does not have to clash with any present system involving the Police and Courts.  Drivers would have a lot more points available: but would find it much easier to pick up points, particularly if they were serious and/or persistent offenders.    
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Although anyone could pick up the odd point here and there, probably the worst 5% of drivers would attract the majority of Road Supervisors' points.  This should force these drivers to improve their driving habits: at least enough to get themselves out of this 'worst 5% group'.  As some drivers improved and got themselves out of this group, others may find themselves starting to slip into it.  This continuous scramble to get out of the 'worst 5%' should, over a period produce a general improvement in driving standards.  Even if there was no Road Supervisors scheme in place a 100 point system would still allow points to be targeted more accurately.
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New Points System.
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  • Change from 'present system' to a new 100 point system.
  • On conversion to a new system a mathematical formula would be applied to convert 'old' points to 'new' points.
  • Every time a driver was 'reported' by a Road Supervisor... 1 point would be added to their licence.
  • Court or Police points could still last 3 years... [same as present: countries may vary.]
  • Road Supervisors' points would last just 1 year.
  • Any points would be carried 'up' to the new licence.
  • Any excess points would be carried 'down' to a licence, when demoted.
  • Under this new system a driver could have 4 points on their licence and still become a Road Supervisor.
  • Accumulate 10 points... Road Supervisor status would be revoked.
  • Accumulate 25 points... Insurance 'loading' on premiums would apply.
  • Each time an additional 5 points was accumulated a further 'loading' would apply. 
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Points on a Probationary Licence.
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  • All Probationary drivers would have to display a 'P' plate: [or equivalent.]
  • First time drivers would have to spend at least 2 years on a Probationary licence.
  • Demoted drivers would have to spend at least one year on a Probationary licence.
  • Probationary drivers could have up to 50 points available per year.
  • Probationary drivers would need to have 15 points or less before 'graduating' to a Full licence.
  • Probationary drivers accumulating 25 points would have their record 'Reviewed' and might be asked to appear before a Review Panel.
  • Drivers could be called to appear before a Review Panel at any time to explain a serious 'Incident', once passed the 25 point mark.
  • Probationary drivers accumulating 35 points would definitely be summoned to appear before a Review Panel.
  • Review Panels could recommend that a driver be demoted back to a Learner's licence once past the 35 point mark.
  • Each time a driver added an additional 5 points to their total they would be called back before the Review Panel for a further assessment.
  • Probationary drivers accumulating 50 points would have to go back and retake their driving test.
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Points on a Full Licence. 
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  • Drivers would have up to 100 points available per year.
  • Drivers accumulating 50 points would have their record 'Reviewed' and might be asked to appear before a Review Panel. 
  • Drivers could be called to appear before a Review Panel at any time to explain a serious 'Incident', once passed the 50 point mark.
  • Drivers accumulating 75 points would definitely be summoned to appear before a Review Panel.
  • Each time a driver added an additional 5 points to their total they would be called back before the Review Panel for a further assessment.
  • Review Panels could recommend that a driver be demoted to a Probationary licence, once over the 75 point mark.
  • Drivers who accumulated 100 points would be demoted to a Probationary licence for at least 1 year.
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The Bottom Line.
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There are any number of variations... that could be adopted with this points system: including reviewing the effects the system was having and adjusting the number of reports that could be made until the desired outcome was achieved.  As the main objective is to identify persistent offenders then perhaps everyone could start with a 'credit' of say, 5 points: so that anyone looking up the licence number would only see 0 points indicated.  This would allow everyone to make the odd [fairly serious] mistake and still escape blemishing their record but would not make that much difference to the serious and persistent offenders.
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If the system was being developed and introduced over an extended period of time... then perhaps there would be two totally separate systems... Points and Reports.  You might persevere with the existing 12 point system... and introduce a very informal system for Reporting... which anyone could do... and with no particular limits on the number of reports a driver could accumulate.  It would just be 'Information' that some people could access.
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Road Supervisors

Senior Road Supervisors  

New Points System

Licences.  

Files. 

Social Pressure

Review Panels

Offences.

Information: Data.