I believe the association of British insurers are currently reviewing their policy on this whole issue as there are now so many otherwise perfectly law abiding drivers out there with points on their licence due to the explosion in speed trap sites that it is simply no longer a terribly reliable guide any more to the risk they present. At the end of the day they are in the business to make money and if they are turning away the masses of people with points on their licences they are going loose an awful lot of customers. Here in south east London motor insurance seems to be increasingly something which is merely optional (along with driving on the left side of the road), a situation which exposes the total farce of the governments so called “Safe Roads Policy” Drive through Deptford or New Cross and the whole place is awash with uninsured, unregistered old bangers (many from abroad) being driven by non English speakers. I witnessed one plough into the side of a brand new chauffer driven S Class Mercedes (presumably taking a businessman to his office in the City of London) and it was both tragic and hilarious to watch the chaotic result (provided of course you were not the unfortunate victim). It simply drove off after a lot of shouting and cursing, smoking off into the distance bearing its smirking occupants looking to be thoroughly enjoying their new life in England.