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

https://www.insert-bookmark.win/how-postcode-and-job-title-often-decide-your-insurance-bill-and-what-to-do-when-your-premium-jumps

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