Women's insurance discounts - sex discrimination ?

[Hetzkes Ballet Teacher]

Court ruling due today. This will affect many other things - anywhere where men and women are subject to different cost scales (pension, health cover, life cover, etc).

Personally I can't see how it's discrimination. If there is reliable data showing that Category A is higher risk than Category B, it shouldn't matter what actually determines the categories - age, sex, height, being called Kevin vs. being called something else, punks vs skins, IQ, innies vs. outies, etc.

Thoughts?

[S.S.R..]

Surely carried out to its logical conclusion this would mean everyone would have the same premium and therefore there'd be no incentive to avoid accidents?

[Hetzkes Ballet Teacher]

Python so far ahead of their time, as usual.

http://www.youtube.com/watch?v=sFBOQzSk14c

http://www.youtube.com/watch?v=sFBOQzSk14c

[Andy™]

Originally Posted by S.S.R..

Surely carried out to its logical conclusion this would mean everyone would have the same premium and therefore there'd be no incentive to avoid accidents?

"No incentive to avoid accidents"
Apart from not being killed.

[The Archer]

Originally Posted by Hetzkes Ballet Teacher

Court ruling due today. This will affect many other things - anywhere where men and women are subject to different cost scales (pension, health cover, life cover, etc).

Personally I can't see how it's discrimination. If there is reliable data showing that Category A is higher risk than Category B, it shouldn't matter what actually determines the categories - age, sex, height, being called Kevin vs. being called something else, punks vs skins, IQ, innies vs. outies, etc.

Thoughts?

Young men by the nature of their being are mostly idiots behind the wheel of a car, I was one myself and how I didn't end up in casualty (at best) after I'd passed my test at 17 I don't know.

As you say if the stats bear out that one group is a higher risk than another it should be reflected in the price paid.

[supernaut1968]

Had this conversation with my lass yesterday. She said a friend of hers has twins and they've both just learned to drive and the mother was sorting out cars for them.

She was ringing round for insurance and even though they are the same age, started driving at the same time etc, because one is a lass, she gets cheaper insurance.

Now normally, I couldn't give a shit about stuff like this, but how do they get away with it?

[Hetzkes Ballet Teacher]

Originally Posted by The Archer

Young men by the nature of their being are mostly idiots behind the wheel of a car, I was one myself and how I didn't end up in casualty (at best) after I'd passed my test at 17 I don't know.

As you say if the stats bear out that one group is a higher risk than another it should be reflected in the price paid.

I was too and, to me, it's that simple.

[supernaut1968]

If we were to say that all young women only wanted to get pregnant and obtain a council flat, we'd be rightly acused of sexism and tarring every woman with the same brush.

Also, you can't assume that every 17 year old lad is a massive bell end and will crash his car within hours of buying it.

I've seen quite a few women struggle with the basics of driving and there's also a large number of women that routinely drive dangerously.

Maybe, the decision should be taken on the number of attempts you take to pass your test, plus a basic report from the examiner that either states you passed with flying colours (and get lower insurance) or that you're an average/poor driver (higher insurance).

[Hetzkes Ballet Teacher]

Originally Posted by supernaut1968

If we were to say that all young women only wanted to get pregnant and obtain a council flat, we'd be rightly acused of sexism and tarring every woman with the same brush.

Also, you can't assume that every 17 year old lad is a massive bell end and will crash his car within hours of buying it.

I've seen quite a few women struggle with the basics of driving and there's also a large number of women that routinely drive dangerously.

Maybe, the decision should be taken on the number of attempts you take to pass your test, plus a basic report from the examiner that either states you passed with flying colours (and get lower insurance) or that you're an average/poor driver (higher insurance).

I sailed through my test then drove like a nutter for the first few months. Nowt to do with driving competence, everything to do with being a male teenager in an exciting new world, with a pack of similarly immature mates egging me on.

[spitfire]

Originally Posted by Hetzkes Ballet Teacher

Court ruling due today. This will affect many other things - anywhere where men and women are subject to different cost scales (pension, health cover, life cover, etc).

Personally I can't see how it's discrimination. If there is reliable data showing that Category A is higher risk than Category B, it shouldn't matter what actually determines the categories - age, sex, height, being called Kevin vs. being called something else, punks vs skins, IQ, innies vs. outies, etc.

Thoughts?

The categorisation of women is in fact discrimation. If they were categorised for something which was a disadvantage to them then there would be hell on. Statistics can alweay be manipulated to purpose.