Ah yes that is a good point. Fuel use would be a reasonable start as a proxy for kilometers driven, but why not just go the whole way and measure the actual kilometers?

I agree about the central organisation. I don't believe private insurance companies add much value and with the removal of personal driver fault they add no value at all. There is no reason it can't be managed via a not-for-profit, competent central organisation similar to any other aspect of registration.