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Sources of further information

Pay-as-you-go cuts costs for some drivers - from The Guardian (http://money.guardian.co.uk/insurance_/motor/story/0,,1921796,00.html)
Road Accidents - Youth Information guide (http://www.youthinformation.com/Templates/Internal.asp?NodeID=90388)
Newly Qualified and Teenage Drivers - from Safer Motoring(http://www.safermotoring.co.uk/NewlyQualifiedTeenageDrivers.html)
House of Commons written answers on road accidents (scroll down the page) (http://www.publications.parliament.uk/pa/cm200506/cmhansrd/cm060613/text/60613w0885.htm)
Young Drivers: Reducing death on the roads - September 2006 ABI report [PDF, 393KB] (http://www.abi.org.uk/Members/circulars/viewAttachment.asp?EID=14664&DID=13536)
ABI launches coalition proposals to reduce young driver deaths - ABI Press release. The above report is also available from the foot of the document (http://www.abi.org.uk/Newsreleases/viewNewsRelease.asp?nrid=13536)

How could pay-as-you-go car insurance policies be used to encourage drivers to use their cars less?
Norwich Union commissioned market research before offering this insurance product. It told them that 9 out of 10 people would prefer their insurance to reflect their own use of the car and the type of journey made. How else could car insurance be made more personalised?
Some observers have pointed to data protection issues that could arise from using the black box and GPS technology in these schemes. Write a list of pros and cons on this point. Is it worth creating a 'surveillance society' to protect people better?
How do you think using a pay-as-you-go car insurance policy might affect when and where you use your car (if you have one) now or in the future?
Pay-as-you-go is becoming a popular method of payment for services. What other uses is it put to at the moment? What new uses could it have?