Traffic Violations Could Soon Raise Your Insurance Premium — Fair Deterrent or Double Punishment?

The Insurance Regulatory Commission is building a national motor insurance database with SLT-Mobitel, due to launch soon. The plan: a risk score tied to your record, so traffic violations push your premium up while clean no-claims drivers stay as they are. It's also meant to cross-check against DMT's registry to flag the huge number of vehicles running with zero insurance. Supporters say it's about time — right now a reckless driver with five fines pays the same premium as someone who's never had an accident, and uninsured vehicles push costs onto everyone else when there's a hit-and-run. Critics worry about who decides what counts as a "violation" on your file, whether a wrongly recorded fine or a bribed-away one skews your score for years, and whether this just becomes another system insurers and middlemen game while honest owners get stuck paying more. Would a risk-score premium actually make people drive better, or just add a new paperwork headache with no real fix for unpaid claims and uninsured tuks? If you've already dealt with a no-claims bonus dispute or a dodgy fine on your record, share what happened. ඔබේ අදහස මොකක්ද? පහළින් කමෙන්ට් එකක් දාන්න.