My origins were in insurance underwriting which is why I like to understand the statistical or other rationale behind the structure of premium calculations.
The high load is not universal but to be fair I did say 'up to' and it is a rate I have seen quoted.
From the subsequent posts it is clear that gear up landings do occur and with some frequency. Given this I would hope there has been some sort of formal research in to both their frequency and potential further mitigations. It is something like this that I am trying to get my hands on.
Cheers,