>> ...and two lads 19 and 21 both of whom
>> love to speed and don't mind getting tickets (actually each only 1 ticket
>> every 18 months or so, not too bad considering their ages).

When I was 16 and got my license my father said "you get 1 moving violation 
and you don't drive again until you are 21".  I'll tell you what, to this day 
I still have no tickets or a single accident and I'm 32 years old.  If I had 
someone paying my insurance and tickets you better believe I'd have (and 
still) been driving like an ass*(&( like so many people out there.

My $.02

Bryan