[Ghoulish Delight]

Insurance companies don't offer discounts unless they have reason to believe they will subsequently save money in payouts. Period. If they want to keep people who have unbroken coverage history, it's because, on whole, that group of people costs them less. It doesn't matter WHY any individual might have had a gap. There is no financial gain to them if they keep a bunch of customers by charging them less than average, but pay out at an average rate.

Unless you would like to also ban ANY persistence of coverage discounts, or like Alex disagree with the mechanism of change, "it's not fair to some of the people who might not qualify for the discount" doesn't seem to hold much water. If that's your criteria, than ALL discounts should be banned because one can always find a case where someone who doesn't qualify for a discount is excluded because of reasons that "aren't fair".

The prop doesn't impose a penalty against those that don't have consistent coverage, nor does it demand a discount be applied if the insurance company doesn't want to. All it does is remove a restriction that doesn't seem to make much sense. Do you feel the same about good student discounts? Shouldn't those be banned because some people's low grades are due to circumstances that may have no baring on their driving ability/risk? Or are you okay with the reality that, on average, people with good grades pose a lower risk, regardless of the individual reasons people with bad grades have those bad grades.