Earlier quoted context omitted.
Let me play the devil's advocate here as well :) What exactly is the problem with punishing people for risky driving? Or rather, let them pay a corresponding premium to cover for the (statistically expected) higher damages they will cause? Keep in mind that driving behaviour is something the user has full control of, in contrast to e.g. disabilities, for which of course no insurance premium should be paid. I actually…
The problem is that statistics isn't that accurate a branch of math. For example, drivers who drive faster are statistically more accident prone. I'd wager, though, that Lewis Hamilton driving faster is less accident prone than me driving slower, something that'll never show up in any statistics based result set. Statistics are obviously useful, but they are a big gun that sometimes points towards feet.
With enough data we wouldn't need to just rely on measuring speed. Reaction times, steering behaviour and lots of other driving terms I am not familiar with can all come into play. Cross reference this with actual accidents and you could come up with a fairly accurate model of what makes a safe driver.