The reason fare paying pax don't have an increased premium is that airline flying is nearly 10 times safer than recreational flying. Last (US) figures I saw put private flying above road use in the danger stakes.
Lots of anecdotal evidence but anyone got some stats? Given the number of d1ckheads on the road and the close calls I've had that were someone else's fault I had always been lead to believe the drive to the airport was the most dangerous part.