According to recent media reports men have more accidents than women therefore men are worse drivers.
We are both equally competent drivers and I drive 5km a day while you drive 500km. Who is more likely to have an accident and therefore make an insurance claim? It may depend somewhat on where the driving takes place, but assuming similar conditions, the person with 100 times the driving kilometres is more likely to have a crash. If one drives 100 times the distance then, if they have two or three times the number of accidents compared with the other, they are doing well and are probably better drivers