All companies won't do this because they're looking to maximize their profits. One of the key factors that consumers look at is the price of a product, so if 3

All companies won't do this because they're looking to maximize their profits. One of the key factors that consumers look at is the price of a product, so if 3 competitors raise prices (due to UBI) and one keeps it the same or lowers their prices, in a well functioning market I would expect that competitor to start to take over more marketshare.