So lets get this out of the way first: I'm freaking terrified of spiders. There is something about the little buggers that turn me into a little girl, I've no shame in admitting that.
Anyway, today I get into my car to find a massive cobweb on the dashboard that wasn't there yesterday. Obviously I'm unsettled by this, but I have somewhere important to be and I'm on my merry way.
As I'm driving, it then dawns upon me that this spider is still in the car somewhere. It's probably sitting behind the steering wheel waiting for the right moment to jump out and make me crash. This'll hike up my premiums next year. The insurance companies would love that.
Then I start to wonder, what if spiders and insurance companies are working together? They probably pay the nasty little buggers to do just that: cause arachnophobic young drivers to crash, thus having a reason to increase already extortionate premiums to line their pockets and hereby increase their profits.
Think about it: when filling the claim form, what will you write for 'cause of crash?' Will you put terrifying ninja spider? Of course not, that's absurd. You'll lie and choose a conventional excuse and the insurance company will have gotten away with it. It's just what they want.
Being the crooks that they are, I wouldn't put it past them to pull a conspiracy like that.
I bet the government is in on it too.