Maybe he goes shopping for new car insurance every six months and can't be bothered learning a new auto insurance comparison interface every time. This is a big problem for the two people who do that.
It's most devastating when you've built up a community, a way of life, around a car insurance comparison tool. Then the company pulls the plug, and even if you can download an archive of your data, you lose a lot that of the connections between you and your car insurance social network. That's why car insurance comparison is best as a decentralized network, so that if one provider goes away, you can still call the other fifty providers as usual.