You're taking about statistical averages but I'm talking about a significant minority of over-70s who are wildly dangerous. Most of them only stop driving when they cause an accident. Sometimes its a serious one.

There are already some measures for young people, like the 6 point thing. Maybe there could be more. Doesn't change the facts about dangerous OAP drivers

Yes - I’ve seen the pricing algorithms at several large insurers. Massive surcharges for young people 16-25, rates level out 30-55, and then slowly start to go back up, but it’s a slow increase compared to the young ones.

> The worst age group behind the wheel is by far 16-25. The middle age group is the safest and the gap is actually moderate compared to 70-75.

Retest everyone's skill every 3-5 years (whenever up for driver card renewal).

AIUI, that's a misleading figure, because the elderly self-correct, in awareness of the greater difficulty, by driving a lot less, so the greater danger is masked in the per-unit-time accident rate.

So, in theory, policy could appropriately adjust for this dynamic by only requiring the test of over-70s driving more than X miles/year, but that adds hassle to enforcement.