[mdmull]

Point being that mileage driven is most likely not the predominate risk factor. It certainly increases the risk because it increases the exposure of the high mileage driver to other vehicles. It does not take into account the most predominate risk factors - driver impairment, driver skill, roads or areas traveled, vehicle equipment, driver experience, & probably others. I have driven more than 750,000 miles without an accident of any kind; my brother-in law drives about 7500 per year and averages one per two or three years.
If mileage based rating is more accurate, the experiment will succeed, rates will lower for those drivers, more companies will offer it, & the inept low mileage drivers will gravitate to those insurers & the rates will rise. The insurance market, though regulated still responds to the actualities of the driving world, & the "magic" of PAYD will ultimately have little or no effect on the rates in general but will provide the social engineering that is likely the true rationale here. Note the term regarding the benefits of "lower carbon emissions" and curtailing "too much driving"

Can I get in line for permission to drive??