Yes I agree with all of this, what I'm most surprised about is the use of a survey 1 year after the event as a means of finding out about the reasons. I suspect they know most of the reasons already but also if you google Onepath Bonus Points this thread pops up with it's 600+ posts. Surely they were not unaware of this commentary, I think this appeared on other blogs as well!They have to remember that a lot of us would have never have signed up if it were not for the points.
So really they got some easy money from us that would have never have purchased this kind of product. Plus the likelyhood of someone making a insurance claim who just bought it for the points is low. so pure profit for them, and points for us, win-win.