In Australia, (as far as I know, in Victoria, anyway) you increased insurance premiums aren't the big problem when you start clocking up points. You lose your driver's license (one month per 4 points) once you reach 12 points. I think that equates to getting caught
  • speeding by more than 15km/h or
  • running a red light
four times in a three year period.

I believe this was what muzza was concerned about!

Richard.