That seems pretty unobjectionable to me. It's generally good that insurance companies encourage people to behave in ways that result in fewer payouts. Car ins

That seems pretty unobjectionable to me. It's generally good that insurance companies encourage people to behave in ways that result in fewer payouts. Car insurance companies encouraging people to drive in a safer manner, health insurance companies encouraging you to go to the gym, fire insurance companies encouraging sprinkler systems, etc.