Flood insurance, driving with 12 points, Swedes on Twitter, and accessing your medical records online

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Why are more than 10% of motorists who have the maximum 12 points on their driving licence still on the road? The government wants all of us to be able to access our GP records online by 2015 - we'll look at the pros and cons of their strategy. How rail passengers who make a genuine mistake are being threatened with big fines. The watchdog Passenger Focus has heard nearly 400 complaints, but they believe it's the tip of the iceberg. Why the Swedish government asks citizens to tweet on their account. Also, a voluntary agreement between the government and the insurance industry- which ensures people in high risk flood areas can get affordable insurance - runs out in June 2013. So what will take its place? And why is it taking so long? Presenter - Winifred Robinson Producer - Vibeke Venema.