With you on that quastdog; the systems in the UK are similar, maybe even more detailed:- I could have got a discount if I stated that I would not carry a pillion passenger; that would mean that I would not carry such a passenger ( ) who could claim against me if I crashed the bike.

For my insurance, I have many, many years of no claims bonus with the no claims discount protected in any event, even if I make a claim (up to 2 claims in any year I think from memory) - never have really understood that bit, but it is all related to even further insurance cover taken out by the main insurer for the risk, IMO.
I pay £78 per year for TPFT cover on a single bike - to add another was quoted as £38, but I didn't take that 'cos the bike is laid up in the garage anyway.

The point; it is all about risk and the perception of risk - someone brought up with 1st world standards will probably be risk adverse, far more so than someone who has no such experience of H&S BS and the rest of it.

Here in the UK there are ideas bandied around to introduce insurances that are based on where you ride & how you ride as well as what you ride, age etc etc - big brother stuff based on GPS tracking of you, where you go, what roads you get on and off (motorways are statistically safer than minor roads), what time of day you travel, etc etc. You would pay for this interactively via your credit card - deducted automatically as you travel.
It would have to be compulsory of course!.

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Dave