Women and Insurance Premiums
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Man of Honour
No it wouldn't. The administrative costs alone would be enormous.
Current way government works your right. But it should be a lot cheaper than insurance companies. The price is also split over hundreads of millions of litres. Also save on enforcment, also why I don't get road tax hugely ineffecient and pointless.
If the discrimination is deemed to be illegal, then it makes a mockery of what insurance is supposed to do (ascertain risk). If it is deemed legal, then does it open the doorway for insurers to ask for more information regarding the person (perhaps nationality and ethnicity, amongst other factors) in order to create a more accurate risk profile?
Soldato
True as its their job to be prejudice lol!
Soldato
I think it is a slippery slope and they should just leave it alone. Men ARE much more likely to have a big car accident than women, so why shouldn't we pay more?
All in all though, i'm in favour of keeping it how it is, because it's going to get silly. You're going to get people bringing court cases because they going to claim discrimination because of their address rating/job title/age/accident history.
All in all though, i'm in favour of keeping it how it is, because it's going to get silly. You're going to get people bringing court cases because they going to claim discrimination because of their address rating/job title/age/accident history.
You can always look at whats being insured
1998 Honda Integra living at home
2007 BMW 535d living in an apartment
2007 Mini One living in a house
You can't know for sure whether those are men or women, but you can make a guess
1998 Honda Integra living at home
2007 BMW 535d living in an apartment
2007 Mini One living in a house
You can't know for sure whether those are men or women, but you can make a guess
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Man of Honour
[TW]Fox;18564882 said:
No it doesn't. Most things may not have any statistical relevance at all. You also can't ignore that we need to decide where to draw the line as we can't be discriminatory in an immoral manner regardless of what makes business sense.
Exactly, it will even effect pension payouts as woman statistically live longer and thus receive lower pension values.
[TW said:
My initial thought agreed with you however Burnsy does make a good point. Would it be acceptable to consider Ehtnicity, Religion, Sexual preference in their risk profiling?
You can always look at whats being insured
1998 Honda Integra living at home
2007 BMW 535d living in an apartment
2007 Mini One living in a house
You can't know for sure whether those are men or women, but you can make a guess
You can also look at the name. If its Barry from wigan then the guesswork goes out the window. If the minimum that some places are willing to insure young male drivers is already being offered then I can only see it increasing the womens premiums rather than lowering anything else.
I dispise insurance companies, I now have to declare that some coffin dodging git drove into the back of me for the next 5 years, and as such they use that as an excuse to say I'm going to have another accident soon, so can class me as a higher risk and charge me more, well it's been 10 months since the accident, and I ain't had one since, even though technically I've never had one, the cryptkeeper driving behind me had the accident.
I don't see how any of them are any different to ones they already check with, as long as they are backed up with statistics. If the eu could prove men are subsidising women or women make significantly less profit for insurance companies, then that imo would be wrong. but using statistics to quantify risk is the only real way of doing it.
Soldato
I don't have a problem with how it currently is - it's all statistics at the end of the day.
The only bit that can be an issue is when someone lives in a nice area but with a ghetto nearby. Someone in the ghetto's insurance might not be too high, as all the crims are gonna make the short journey over to the nice area to steal their cars (as there's no point in stealing something crap from the ghetto). But again, it's all statistics at the end of the day. Should just move further away from the ghetto.
The only bit that can be an issue is when someone lives in a nice area but with a ghetto nearby. Someone in the ghetto's insurance might not be too high, as all the crims are gonna make the short journey over to the nice area to steal their cars (as there's no point in stealing something crap from the ghetto). But again, it's all statistics at the end of the day. Should just move further away from the ghetto
.[TW]Fox;18564882 said:
Exactly, young men get charged more because they tend to show off in front of girls and crash, women buy girly cars, and look hot in them which men again crash into by checking them out. In fact yea it is there fault charge them more.
Yes absolutely.
Soldato
Thank god someone see's what i've said for the past year.