How often this was voted the creepiest of the two: 66%
Votes saying "creepiest" 15202
Votes saying "creepy, but the other one is even creepier" 7827
Total number of votes so far 23029

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.