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EU ruling over insurance gender discrimination

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Charlie
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Joined: 27 May 2007
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PostPosted: 21:43 - 02 Mar 2011    Post subject: EU ruling over insurance gender discrimination Reply with quote
What a joke this new ruling is! Article.

It is discrimination, it's basing things on statistics, it god damn common sense. Women live longer that is why it cost more for life assurance, younger female drivers are less likely to crash than young male drivers.

It's ridiculous, if you follow their logic then age shouldn't affect insurance, neither should the area you live in.

Total joke. It is a total failure of common sense.
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ms51ves3
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Joined: 08 Jun 2007
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PostPosted: 21:53 - 02 Mar 2011    Post subject: Reply with quote
They're totalling avoiding the real issue here:

Quote:
The British Insurance Brokers' Association says that an 18-year-old man with an average car will pay £4,400 a year, compared with £2,700 charged to an 18-year-old woman.


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Marmalade
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Joined: 28 Apr 2009
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PostPosted: 22:19 - 02 Mar 2011    Post subject: Reply with quote
It is total stupidity, I want to pay the same as an 18yo, i'm being discriminated against for being an old bastard, how dare they give me cheaper insurance
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fire
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Joined: 06 Feb 2006
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PostPosted: 22:38 - 02 Mar 2011    Post subject: Reply with quote
You know who is to blame here, feminists. All that ranting and raving about equality, yeh.... you got it.
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L4Isoside
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Joined: 08 Mar 2010
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PostPosted: 22:54 - 02 Mar 2011    Post subject: Reply with quote
FIRE_NSR wrote:
You know who is to blame here, feminists. All that ranting and raving about equality, yeh.... you got it.


Yup, back fired there didn't it Laughing
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chrisw
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Joined: 24 Apr 2006
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PostPosted: 23:02 - 02 Mar 2011    Post subject: Re: EU ruling over insurance gender discrimination Reply with quote
Charlie wrote:

It's ridiculous, if you follow their logic then age shouldn't affect insurance, neither should the area you live in.


It's perfectly logical.

For insurance that's 'optional' (i.e not requried by law, e.g life insurance) then use all the statistical analysis you want, generalise as much as you like as I have the choice to simple not have it.

But.

On insurance that I HAVE to have in order to use a car, I want to be judged on MY driving history, not that of others.
Why should a young male driver that has never crashed still have to pay more (all things equal) than a female that has never crashed? They have the same driving history, they both pose the same risk? Yet they have been judged on something they have no control over; in any other situation that is discrimination.
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bikertomm
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Joined: 03 Jul 2010
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PostPosted: 23:03 - 02 Mar 2011    Post subject: Reply with quote
Yeah, so now they are not allowed to discriminate peoples gender....

How come they can with age? Cool

Insurance needs a radical re-think !

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Bendy
Mrs Sensible



Joined: 10 Jun 2002
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PostPosted: 23:08 - 02 Mar 2011    Post subject: Reply with quote
I'd like to not be discriminated against on where I live, what I drive, what my job is, whether I'm married and whether I own my house or not too please. Thumbs Up
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chrisw
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Joined: 24 Apr 2006
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PostPosted: 23:15 - 02 Mar 2011    Post subject: Reply with quote
Bendy wrote:
I'd like to not be discriminated against on where I live, what I drive, what my job is, whether I'm married and whether I own my house or not too please. Thumbs Up


I agree, if they want to force people to be insured, insure the person not the 'demographic'. More paper work for the insurance companies? My heart bleeds Rolling Eyes
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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 23:21 - 02 Mar 2011    Post subject: Reply with quote
Bendy wrote:
I'd like to not be discriminated against on where I live, what I drive, what my job is, whether I'm married and whether I own my house or not too please. Thumbs Up


You can as they are all things that you can change.

Insurance can be as detailed as they like, broken down by as many risks groups as they can be bothered with. Seems strange that they can use one fairly wide proxy (ie gender) which isn't allowed in pretty much any other area while they ignore loads of other things.

All the best

Keith
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Bendy
Mrs Sensible



Joined: 10 Jun 2002
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PostPosted: 23:37 - 02 Mar 2011    Post subject: Reply with quote
Never heard of a sex change?
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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 00:01 - 03 Mar 2011    Post subject: Reply with quote
Bendy wrote:
Never heard of a sex change?


Doesn't affect birth certificate so not going to make any difference to insurance.

All the best

Keith
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Bendy
Mrs Sensible



Joined: 10 Jun 2002
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PostPosted: 00:14 - 03 Mar 2011    Post subject: Reply with quote
Kickstart wrote:

Doesn't affect birth certificate so not going to make any difference to insurance.


I don't know anyone who's been asked to provide their birth certificate when making a claim. I suspect sex is just as blaggable as everything else, if you were determined enough.
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colin1
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Joined: 17 Feb 2005
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PostPosted: 00:41 - 03 Mar 2011    Post subject: Reply with quote
Arguably, its only right that insurance companies should disciminate on likely risk, but arguably employers should be allowed to disciminate on the basis that women of child bearing age may in the near future disappear for months at a time on full pay.

If society decides employers cant do it, it's about time insurers cant are stopped from offering lower premiums to women.

I'd like to think my premiums will go down as a result but of course actually it will be just that the women's rates will go up to the men's ones.
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Kickstart
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Joined: 04 Feb 2002
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PostPosted: 00:49 - 03 Mar 2011    Post subject: Reply with quote
Bendy wrote:

I don't know anyone who's been asked to provide their birth certificate when making a claim. I suspect sex is just as blaggable as everything else, if you were determined enough.


Fair enough, but if things are that meaningless then basing insurance premiums on them isn't defensible.

All the best

Keith
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nick606
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Joined: 12 Nov 2006
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PostPosted: 01:05 - 03 Mar 2011    Post subject: Reply with quote
another way for them to make more money as if they needed it Laughing
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colin1
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Joined: 17 Feb 2005
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PostPosted: 02:48 - 03 Mar 2011    Post subject: Reply with quote
Kickstart wrote:
Bendy wrote:

I don't know anyone who's been asked to provide their birth certificate when making a claim. I suspect sex is just as blaggable as everything else, if you were determined enough.


Fair enough, but if things are that meaningless then basing insurance premiums on them isn't defensible.

All the best

Keith


For a valid insurance claim, it will be your legal gender status rather than your biological or genetic or birth gender status that matters.

In the UK, the law accepts the ludicrous concept of sex change, and men who have had their dicks chopped off and breast growth stimulated, can legally describe themselves as women and demand to be treated as such, even if they are still genetically men with augmentations and hormone pills. They are just as much women, as a toyota mr2 in a deceptive body kit, is a lamborgini but the law recognises them as women cos the law is an ass.
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Kickstart
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Joined: 04 Feb 2002
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PostPosted: 11:26 - 03 Mar 2011    Post subject: Reply with quote
colin1 wrote:

In the UK, the law accepts the ludicrous concept of sex change, and men who have had their dicks chopped off and breast growth stimulated, can legally describe themselves as women and demand to be treated as such, even if they are still genetically men with augmentations and hormone pills. They are just as much women, as a toyota mr2 in a deceptive body kit, is a lamborgini but the law recognises them as women cos the law is an ass.


Quick look and I was wrong. UK law does not even require a sex for someone to legally be regarded as being of their acquired gender.

Which makes it even more ludicrous for insurance reasons.

All the best

Keith
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