How do you think the insurance companies would view the risk of insuring a pilot who has had a few recorded and in the public domain incidents/accidents and the pilot who has never had one?
I tend to welcome such an approach, as insurances have to document why they take decisions in calculating risks. Whenever they work on this, they have to collect statistics and do some math on it. If this exists, we are enabled to discuss facts (or shoot at opinions only). But, right now I don't know of such statistics.