I only have direct long term experience of driving and riding in two countries: England where I grew up, and now Australia for the past 4-and-a-bit years. My opinion is that, on average, Australians are significantly worse road users in many significant areas. My reading of posts here is that I'm far from alone in these opinions. So. I am starting to believe that the insurance systems in the two countries impact significantly on the behaviour of the road users, and that maybe adopting the UK model might, possibly, improve driving and riding standards over here. In the UK auto insurance is compulsory, but there is no government supplied cover - all insurance is purchased by individuals on the open market. The other significant difference is that rather than the insurance companies assuming you have a good rating as they do here, you start with a poor rating and increase this over time. What this means in reality is that poor drivers price themselves out of the market, so there is a direct financial incentive to good driving. Young drivers simply cannot afford to buy insurance on high powered cars so they are forced to spend a number of years in low powered cars simply to accrue the NCB that lets them insure their dream. Soccer mums (theoretically) only get to make one or two mistakes before they loose their protected NCB and can't afford to insure their Chelsea tractors. the model does push premiums up - I was paying significantly more for both car and bike insurance than I am here, so it's certainly not a perfect solution but at the moment it's about the best solution I can come up with to improve driving standards. Consistently bad drivers price themselves off the road.... discuss.