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

https://www.scribd.com/document/980496938/Raw-Telematics-Data-Is-Chaos-Why-Speeding-Is-Not-What-You-Think-165294

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