| How often this was voted the creepiest of the two: | 68% |
| Votes saying "creepiest" | 57654 |
| Votes saying "creepy, but the other one is even creepier" | 27490 |
| Total number of votes so far | 85144 |
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.
