I also think the simpler the algorithm, the harder it is to game. “Oh wait, I almost never drive, but when I do, I’m either drunk or speeding. Well, I’ll sign

I also think the simpler the algorithm, the harder it is to game. “Oh wait, I almost never drive, but when I do, I’m either drunk or speeding. Well, I’ll sign up with this insurance company which offers me a discount because I drive so little!”