And all it analyzes is people's driving record and the current model of vehicle they're trying to insure. Someone who got rear-ended in a Honda and had their car totaled who is now trying to insure their new Tesla would be included in this even though they didn't crash their Tesla nor were they at fault for the accident.
In one sense, I'm glad they put this stupid barrier up so that I don't have to keep deleting the forced upgrade as part of regular Windows Updates like I did with Win10, but on the other hand it's bullshit that they're creating so much waste for no other reason than personal profit for their company.