Is postcode-based car insurance fair when a single commute can reveal speed, distance, location and phone movement?

https://mega-wiki.win/index.php/Why_UK_drivers_aged_25-45_keep_getting_hit_with_unexplained_premium_hikes_-_and_how_to_respond_without_giving_away_all_your_data

Which questions about postcode pricing and commute tracking will I answer, and why do they matter? People increasingly hear insurers say "your postcode affects your premium" and wonder if that is sensible - or fair