|How often this was voted the creepiest of the two:||68%|
|Votes saying "creepiest"||30978|
|Votes saying "creepy, but the other one is even creepier"||14307|
|Total number of votes so far||45285|
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.