Insurance Risk

[surveyor]

What's the group opinion here as to who is the riskiest driver in insurance terms? All other ways equal eg car, address etc.

Someone with 9 years NCB who drives 5,000 miles a year
Someone with 9 years NCB who drives 30,000 miles a year

[surveyor]

My counter theory is that when looking at standard of driving

Driver 1 has done 45,000 miles with no accidents.
Driver 2 has done 270,000 miles in the same time period with no accidents...