So, is insurance a blanket cover for possibly eventualities, or is it a person-specific risk-analysis of their particular behaviour. It's fast become the later which basically means that "insurance" is an incorrect term and a waste of time, because you end up basically paying all your own bills for everything you ever incur, rather than have a smaller blanket cover to cope in the event of a one-off rare expense.
The point of insurance originally was that millions of people would pay into a fund that would then pay those unlucky enough to have a problem needing payment MORE than they could afford in, say, a single year. (Like pensions - everyone pays a bit but not everyone will make it to retirement age, but now that's not true either so we're all just paying for each others retirement, and moaning whenever someone suggests putting up the pension age) Not everyone would claim it, because not everyone would have the problem, but yet everyone pays a small token payment to cover it all.
Nowadays insurance is basically "You pay it" over a slightly extended period - if you have a rare accident, your premiums skyrocket no matter what company you go to, to recoup that cost in full as quickly as possible. If it wasn't for the fact that certain insurances are compulsory, I wouldn't have any at all - it actually works out cheaper for most things to just save money yourself from the same premiums you would end up paying. I'm honest, though, so in fact what it does to dishonest people is they just stop having insurance and pay the fines for that action instead.
Take, for example, public liability insurance. I can't be expected to pay someone £1,000,000 compensation overnight because of something stupid that I did, or something totally unforeseen. But the premium payments for such things are *TINY* in comparison because they are so rare, and I can afford that - and so can millions of others who then cover the base costs of the rare accidents. In that situation insurance actually gives the consumer an advantage and a reason to have it. But in car insurance, every single risk category ever available is taken into account so that everyone basically ends up paying their own bills - or, worse, far more than their fair share just because they are male - whether by settling privately, or by paying such HUGE premiums to the insurance companies to cover your costs + their profit that it makes no sense.
What's needed in certain cases in a specific insurance that covers a lot more people. A compulsory, blanket insurance payment on your road tax, for example, and refused to anyone who has X points on their licence (what they would do at that point is a matter of policy - no be able to legally drive sounds good, but more likely would be that they WOULD be charged extortionate amounts if they wanted to get back on the road - which again brings the same problems eventually). And then you have the problems of uninsured drivers, etc. where your premiums can skyrocket because someone else was deliberately ignoring a legally-required insurance. That shouldn't be happening.
Insurance of any sort is like a Dixons Extended Warranty. Overpriced, nowhere close to the value of the thing covered, you'll never hope to use it, but if you do you don't want to be charged more for next year just because you have already broken your iPod once this year.
Insurance can either be one thing or the other - blanket cover for everyone for an equal fair share of the total overall costs, or a particular payment for a specific user (so an accident-free male will never be charged more than an accident-prone female as is currently the case, sometimes). It's currently trying to be both so the insurance companies make larger profit.
More worrying - what happens is someone provides statistics that Indian drivers are statistically safer than, say, Scottish? Sir Paul Condon-style statments aside, does that mean they are then allowed to charge me based on my nationality? I hope not, and in that case my gender is no more different a piece of information. If you can discriminate on one basis, you can discriminate on all of them, so the insurance companies will have to provide blanket cover with no discrimination or unique, personalised, discrimination and give me a lower premium than any established driver that has had an accident until I actually HAVE an accident. They won't like either, of course, but that's business.