What should determine your car insurance?

[[TC] Brad]

I think that the current system (at least in the UK) is okay for people who have recently got a driving licence, however after the first year it does seem to be a little unfair.
For example, using statistics based on driver gender and age, car, location etc. are all an insurance company can base their premiums on when dealing with a new driver. However I think no claims bonuses should be larger than they currently are and should be based on the individual driver in question.

However, how would an insurance company compile data about how each of us drive? Black boxes - like those currently being trialed by some UK companies.

Personally, I'm prepared to pay a little extra than to have a black box fitted to my car.