OOPS, that linking with the insurance sounds tough. This wouldn't be possible here, as we have very strict laws protecting your data. But motorists also have mandatory school or have to do first-aid-training when they reach certain limits. Or you can swipe away points by doing voluntary schooling.
Insurance premiums are calculated according to your driving time without accidents. As a beginner you usually start with 275% of the standard premium, and then with every year without causing an accident you lose percentage. I pay 35% of the standard premium and will be further downgraded to 30% -which is the lowest- next year. This means I have never caused an accident for the last 18 years. To be honest I have never caused an accident, but switched insurance companies in between and lost some years. This doesn't simply mean that I'm a good driver, but that all the other motorists also took good care of me and that I was very lucky.
If you cause an accident you are downgraded heavily.
Insurance premiums are calculated according to your driving time without accidents. As a beginner you usually start with 275% of the standard premium, and then with every year without causing an accident you lose percentage. I pay 35% of the standard premium and will be further downgraded to 30% -which is the lowest- next year. This means I have never caused an accident for the last 18 years. To be honest I have never caused an accident, but switched insurance companies in between and lost some years. This doesn't simply mean that I'm a good driver, but that all the other motorists also took good care of me and that I was very lucky.

If you cause an accident you are downgraded heavily.