If it was voluntary, I could haggle with the insurance company to get a premium assessed for my conditions such as safe driving record, my advanced driving course (Peter Wherret) I did in 1972, and my quiet almost traffic free location. And the average miles I clock up per year.
What we have at the moment is a compulsory one-size-fits-all, costing a small fortune, and if you never make a claim in your entire motoring life, you end up as a charity forking out tens of thousands of dollars for bad drivers, and for the Rolls Royce of the CTP insurer's CEO.
CPT insurers have "Good Driver" premiums where they knock a few dollars off. But the implication from that is, that there are also "bad drivers". Good drivers are just charities for bad drivers who have no eyes or ears.