HP,
Much as we dislike it, the truth is that the flying we do is more dangerous to us participants than we like to think it is.
I have been around aviation for all my life and can without any problem come up with the names of at least half a dozen friends/acquaintances who got killed/killed themselves while flying.
Although I know a lot more people that drive than fly, I would struggle to find even half that number killed on the roads.
Insurance companies are just a bunch of boring actuaries who look at the statistics and distill premiums on the bases of them. If the sort of flying we do would be within the 'normal background risk' they would not bother charging extra. As it stands they are happy to accept people riding bikes and horses and obviously not us aviators.
Now looking into the why these accidents happen is an interesting pastime.
FD