A private passenger nonfleet automobile risk is eligible for take-out if during the 3 successive years prior to the expiration of the policy, the named insured and any other person who usually operates the automobile meet the following requirements:

1. (1) Have been licensed to operate an automobile for at least 2 years.
2. (2) Have not been involved in accidents or convictions for which points are required to be assessed in accordance with the rules of the Plan.