Not telling someone something isn’t gaslighting. That’s a very different thing.
And you are making the mistake of assuming that other people think like you, have the same preferences as you, also have memories on an at least subconscious level, …
There are just so many factors, that depend on the person and this is one of those cases where extrapolating from your own lived experience is not the right way to do things. Like: I’m trans and you can trust me, that I have my own places, where I know that I can’t apply my standards to other people (“what do you mean, people don’t like the effects of cross-sex hormones?”).
That would be a very severe violation of the GDPR and whatever bank-privacy laws are in place. On top of that, which insurance would even be affected by it? I don’t own a car, health insurance comes at non-discriminatory rates here and why would my liability insurance be affected by what I buy? Like: It’s genuinely a non-issue here.
And even if, cash is still a much better option for everything.