In Australia they don’t charge more on the policy, but if you have an accident your co-pay is higher if you are young, have had your license for fewer than X ye

In Australia they don’t charge more on the policy, but if you have an accident your co-pay is higher if you are young, have had your license for fewer than X years, the car is high power e.g. sports car. But if you don’t crash you pay the same as the next regular Joe.