Insurance companies have said that they would like to establish a database of all those who have accumulated penalty points and the Minister has outlined, in the strongest terms, how he intends to deal with that issue. I am sure he will allude to this matter later. We need to see genuine premia reductions for those with clean driving licences. The idea of weighting premia levels for offenders and repeat offenders is good because it will reward good and responsible drivers. We need to be careful about this process in the early stages, however, because the Minister is still reviewing speed limits in certain areas. We should not consider penalising drivers with increased insurance premia until that review has taken place because there are anomalies in certain parts of the country. We should also examine the possibility of introducing a sliding scale under which those with more penalty points will attract higher insurance premia.