I do not understand their logic in refusing such a concession. When it is considered that insurance policyholders have always been under an obligation to disclose road traffic convictions and penalised for such breaches in the form of higher premiums, it is logical that insurance companies could easily redistribute revenue saved under this system to drivers who incur no penalty points. This does not even take into account the €130 million that departmental officials estimate the reduction in the number of accidents has saved insurance firms. Without the concession to reward drivers, it would not be fair or worthwhile to provide insurance companies with access to a penalty points database.