The alcohol limit should be reduced to zero, certainly in the case of provisional drivers. That probably will not happen because of the strength of the alcohol lobby group. Provisional drivers should not be on the roads. Costs should be cut in this industry, for example, legal costs constitute about 42% of the claims made by insurance companies. The compensation culture, whereby people make fraudulent claims and get huge sums of money, should be reduced but above all there should be competition in the market.