Age is based on aggregated data which says that people with less experience are more likely to cause accident.
We can argue the whole day, but this is not a tailored fee as is not build based on my personal behavior.
Same reason that you can't drive a car when you are 5 years old or you can't drink before 18 (or 21).
You can argue all day, but it doesn't change the fact your main argument was you would no longer be charged based on facts but assumptions. The current method is largely based on assumption. Using actual data on your driving is not an assumption.
It may not have been your intention but that is how you wrote it. Two statements about no longer being charged based on facts, but on assumptions. One comment linking using your actual driving data as "assumption".