Pretty much. Seems to make a difference to the way people drive as well - instead of driving to what they think their ability is, they are more driving towards what the insurers say is safer (there is plenty of feedback on what driving manoeuvres affect the premium). That mirrors some (certainly not all) of the changes you get as you become more experienced and realise that driving is very little about your ability, and more about how you present a predictable behaviour for other drivers to anticipate for example.