Was just thinking about this lately. A private pilot would pay at least 50% more for a mortgage cover policy.
Apparently this is simply because we're far more likely to die. These stats are worked out by actuarial scientists who simply take the number of aviation deaths per number of licences issued in the country to get their figures.
This system apparently takes no account of the fact that people fly (and die) while unlicenced, unrated, or out of medical.
It makes a joke of the whole licencing system doesn't it, if we're lumped in with them for statistical purposes? We spend a lot of time and money getting a decent level of training so we're safe to fly, yet get shafted with these premia because some people choose to flout rules set for their safety and go flying anyway, and ultimately end up using their face to absorb the impact of a 2000ft freefall.
Having said all that, karma will probably have me ending up plummeting to an ironic demise myself, but at least then I wont have to worry about being ripped off.
Smoke me a kipper, I'll be back for breakfast.