How will the insurance company enforce that?
Does an agent get to follow the guy around to make SURE he's put on that helmet or that seat belt, or isn't smoking or overeating?
If you are in an accident, the officer will ask you if you were wearing a seat belt. (I told the truth one time and got a ticket for not wearing mine)
And if you wreck your motorcycle, the officer or the doctor will be able to tell if you were wearing a helmet from the skid marks on your skull.