[teekert]

"You will only get discounts"

Yeah right, that is not how insurance works. The cost per year for an insurance company is relatively stable and simply the chance a person crashes * the average cost of a crash * the amount of people insured. The other customers, without FB or who use a lot of exclamation marks will thus pay for a higher amount of the total costs. This gives them an incentive to go to a fair insurance company.

[Broken_Hippo]

I always find the "you will only get discounts" version of anything. "participate in x wellness program and get x tests and pay less for health insurance!"

I always read this as them trying positive language: The real meaning is, "do this or be penalized by paying more". The more tight on funds one is, the more folks need the discount.

[aianus]

If there is true predictive power in the model, the other insurance companies will see their costs (and premiums) rise as lower risk customers switch to Admiral and higher risk customers switch to them.