@VPathak: Thanks for your note and your kind words. We have all suffered the menace of power cuts and now it appears to be a more severe problem for many reasons other than simple supply and demand imbalance. Of course, all of us are working on shram-daan basis so the credit is everybody’s. “The idea whose time has come” perhaps?

I also think incentives only work for those who likely don’t need them. Ie the safe driver gets incentives to continue in that path. They would save money, but had they not saved money, its not as if they would decide, hey lets get reckless. The chronically unsafe driver, who likely is already paying huge premiums is unlikely to change their ways, and in many cases, if faced with additional costs would simply go uninsured.

One possibility, albeit its quite a ways out there, would be to monitor the driver’s physiology to determine if they are “in the game” or not. Basically, if ones pyscho-motor functions were deemed to be subpar, they could be notified of the fact, as well as possibly third parties, parents, etc such that appropriate action could be taken. Obviously such might go too far with things like automated law enforcement notification, speed-limiting, or even vehicle disablement…