|How often this was voted the creepiest of the two:||66%|
|Votes saying "creepiest"||5484|
|Votes saying "creepy, but the other one is even creepier"||2849|
|Total number of votes so far||8333|
You get a better deal on insurance as long as you and your friends don't make any claims. This increases social pressure to not make claims, which could lead to bad situations. Secondly, a core idea behind insurance is solidarity with those less fortunate. Segmenting the market could mean higher premiums for the poor.