How often this was voted the creepiest of the two: 68%
Votes saying "creepiest" 43030
Votes saying "creepy, but the other one is even creepier" 20357
Total number of votes so far 63387

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.