My Lords, that would be interesting. However, I am not sure whether it would be helpful. On a number of occasions the noble Lord has drawn to my attention the state of roads in the county of Suffolk. My Lords, the law requires the user of a vehicle to have insurance. Each time a vehicle is relicensed evidence of insurance covering the use of the vehicle must be produced.
Police have powers to stop vehicles to check insurance and other matters.
There are about 300,000 convictions and 29,000 disqualifications each year. Column 1225 insurance database which will be set up later this year with government support. This should enable the police to detect and prosecute more drivers at less cost. My Lords, my noble friend is correct that the average level of fine is relatively low. He is also right to say that that does not represent the cost avoided of insurance.