Although there is a need for the other players in this equation to get into gear and act, the onus should be on insurance companies to take action to tackle this problem, preferably by rewarding motorists who do not incur penalty points with lower premiums. Earlier this year the Irish Insurance Federation stated it had received a commitment from all motor insurers that they would reward motorists who did not incur penalty points in this way. However, it is disappointing that this commitment has evaporated and, once again, insurance companies are refusing to co-operate with us in this regard.