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Insurance racism?

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Itchy
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PostPosted: 12:16 - 09 Feb 2015    Post subject: Insurance racism? Reply with quote

TL:DR

Bought a run around bike.

I run an insurance quote using an English sounding name which is a legal name I use. Insurance comes out at £92. Good good.

I then run the exact same quote but with my legal Chinese sounding name and lo and behold cheapest quote is £286.

Yet the rider is exactly the same except one name implies I am not white the other does.

Anybody care to explain the discrepancy?
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chris-red
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PostPosted: 12:20 - 09 Feb 2015    Post subject: Reply with quote

Because everyone knows Asians can't drive. HTH Thumbs Up
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Fisty
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PostPosted: 12:21 - 09 Feb 2015    Post subject: Reply with quote

It's insurance, they just give you random prices and hope you take it.
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The Shaggy D.A.
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PostPosted: 12:29 - 09 Feb 2015    Post subject: Reply with quote

Not enough tin foil lining the crash helmet being used.
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arry
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PostPosted: 12:29 - 09 Feb 2015    Post subject: Reply with quote

There's no coding in name field on any distribution site I've ever used

I do have a copy of a 1970's Fleet and Taxi underwriting guide which gives advice on which foreign sounding names to avoid
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Skudd
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PostPosted: 12:36 - 09 Feb 2015    Post subject: Re: Insurance racism? Reply with quote

Itchy wrote:


I then run the exact same quote but with my legal Chinese sounding name



Why unless you are actually looking for racism? I have one name, I use one name. It gets me that so many from other countries have so many names (all legal apparently). I work with people and depending on where they are, are known by different names. If your name is Steve, use Steve, if it is Promise (yes a big black lad I worked with called Promise) use Promise.

There will be some connections with some names, Double barreled names in this country makes you appear posh (my older sister has one)

It does sound like someone is looking for an issue just so that hey can be offended.
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Copycat73
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PostPosted: 12:41 - 09 Feb 2015    Post subject: Reply with quote

did you delete all the cookies in internet explorer first ?
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monkeybiker
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PostPosted: 12:42 - 09 Feb 2015    Post subject: Reply with quote

What website did you get the quote from so other people can test your theory.
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monkeybiker
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PostPosted: 12:43 - 09 Feb 2015    Post subject: Reply with quote

Copycat73 wrote:
did you delete all the cookies in internet explorer first ?


Does my porn history make me a greater risk of having an accident?
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Tungtvann
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PostPosted: 12:46 - 09 Feb 2015    Post subject: Reply with quote

monkeybiker wrote:
Copycat73 wrote:
did you delete all the cookies in internet explorer first ?


Does my porn history make me a greater risk of having an accident?

I've heard that airline websites are known to use cookies so when you search for the same flights again, they bump up the prices to make you think that you've got to 'BUY NOW'.

Porn history should be mostly irrelevant...
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Llama-Farmer
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PostPosted: 12:46 - 09 Feb 2015    Post subject: Reply with quote

monkeybiker wrote:
Copycat73 wrote:
did you delete all the cookies in internet explorer first ?


Does my porn history make me a greater risk of having an accident?


No but like airline tickets, the site knows you've visited before so it puts up prices.

Delete the cookies, the price drops again.



Also a friend of mine known as Johnny since he was about 3 finds that his insurance is usually a fair bit cheaper when he uses Jonathan rather than Johnny or John.
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Last edited by Llama-Farmer on 12:47 - 09 Feb 2015; edited 1 time in total
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Dcwhite1984
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PostPosted: 12:47 - 09 Feb 2015    Post subject: Reply with quote

monkeybiker wrote:
Copycat73 wrote:
did you delete all the cookies in internet explorer first ?


Does my porn history make me a greater risk of having an accident?


Yes, you could get cramp and then go for a ride where your hand has a sudden seizure! That'll put your insurance up by about £1000 Doh!
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Itchy
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PostPosted: 12:51 - 09 Feb 2015    Post subject: Reply with quote

Just tried it again with my dad's car price difference is smaller.

But a change from Wong Sau to Gary results in a £55 difference on confused.com
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t121anf
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PostPosted: 13:14 - 09 Feb 2015    Post subject: Reply with quote

Same company that is giving the cheapest price?

Perhaps your Chinese name is to short for the cheap English one?
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wr6133
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PostPosted: 13:16 - 09 Feb 2015    Post subject: Reply with quote

My wife has always had cheaper car quotes using my surname and an englishified version of her name than if she uses her Chinese name. Her friends have similar experiences.
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Baffler186
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PostPosted: 13:36 - 09 Feb 2015    Post subject: Reply with quote

Itchy wrote:
Just tried it again with my dad's car price difference is smaller.

But a change from Wong Sau to Gary results in a £55 difference on confused.com
Did you delete cookies in between name change though? What if you then try "Gary", don't delete cookies, and then try "Steve"? If you continue to get the same quotes for English names, and higher quotes for Chinese names, then it would be interesting to see what responses these companies offer (if any). Would have to be entirely sure that the only variable changing is the name though, and not time of day/number of visits you've made to the site etc etc.
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Copycat73
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PostPosted: 13:38 - 09 Feb 2015    Post subject: Reply with quote

monkeybiker wrote:
Copycat73 wrote:
did you delete all the cookies in internet explorer first ?


Does my porn history make me a greater risk of having an accident?


depends on the site ...paedofinder general could have you accident-ed if its paedo.
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t121anf
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PostPosted: 13:44 - 09 Feb 2015    Post subject: Reply with quote

Baffler186 wrote:
Itchy wrote:
Just tried it again with my dad's car price difference is smaller.

But a change from Wong Sau to Gary results in a £55 difference on confused.com
Did you delete cookies in between name change though? What if you then try "Gary", don't delete cookies, and then try "Steve"? If you continue to get the same quotes for English names, and higher quotes for Chinese names, then it would be interesting to see what responses these companies offer (if any). Would have to be entirely sure that the only variable changing is the name though, and not time of day/number of visits you've made to the site etc etc.


As it's using Confused I don't think it's a cookie issue, I've used confused to change minor things and never had the price change, unless name does have conditions and the fields I changed didn't.
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P.addy
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PostPosted: 13:50 - 09 Feb 2015    Post subject: Reply with quote

Copycat73 wrote:
internet explorer


Welcome to 1994 Shocked
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monkeybiker
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PostPosted: 14:03 - 09 Feb 2015    Post subject: Reply with quote

Copycat73 wrote:


depends on the site ...paedofinder general could have you accident-ed if its paedo.


It's not peodo sites, I'm not a werdo Mad

It's animal porn
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Rogerborg
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PostPosted: 14:07 - 09 Feb 2015    Post subject: Reply with quote

A Halifax spokesman said customers’ details are passed to a panel of insurance firms, who provide quotes.

He added: “Under no circumstance will a surname be used as a way of ­influencing the decision of the panel.”


Except they can't explain why Matulevicze comes in £100 higher than Cuthbertson. Thinking
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dydey90
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PostPosted: 14:19 - 09 Feb 2015    Post subject: Reply with quote

Itchy wrote:
Just tried it again with my dad's car price difference is smaller.

But a change from Wong Sau to Gary results in a £55 difference on confused.com


FTL is an awesome game. Easy to learn, hard to master. Still not managed to beat anything above easy difficulty!
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chris-red
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PostPosted: 14:24 - 09 Feb 2015    Post subject: Reply with quote

try running a dodgy name first then a Anglo one.
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Wave2k
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PostPosted: 15:23 - 09 Feb 2015    Post subject: Reply with quote

Classic case of insurance random number generator.
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daemonoid
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PostPosted: 15:29 - 09 Feb 2015    Post subject: Reply with quote

Itchy wrote:
Just tried it again with my dad's car price difference is smaller.

But a change from Wong Sau to Gary results in a £55 difference on confused.com


Do you have bad credit? Your credit rating can affect insurance (or so I've been told)... Perhaps your real persona is dodgy?
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