Insurance isn't a scam, but market forces have caused what you describe. If the insurer offers an "even" price to all people regardless of history, then it wil

Insurance isn't a scam, but market forces have caused what you describe. If the insurer offers an "even" price to all people regardless of history, then it will lose business to a company that offers "No claims discounts". Therefore all of it's customers would he high risk driving prices up even further. Essentially unless you are willing to outlaw all risk assessment and premium scaling you cannot prevent exactly what you describe. Note that the EU did this with regards to gender discrimination on car insurance premiums (insurers have simply found proxy variables which correlate highly to gender).