Can a man lower his car insurance premiums by saying he’s a woman? If not why not?

I was amazed to see the bit about NI, it always used to be way more expensive for insurance here! It must have shot up in the rest of the UK in the last few years.

It was actually a decision forced on them by EU law when we were still in the EU. I don't think insurance companies wanted to do it at all. Discriminating on the basis of age, however, was not illegal, because at that point the relevant EU legislation hadn't been passed. And now we're out of the EU so it doesn't affect us anyway.

Caveat: this is my memory of events and I CBA to google. Maybe a lawyer will come along and confirm or correct me.

Looking back, I think the decision by insurance companies to stop taking sex into account when calculating risk was one of the early signs that women as a group/class were going to be written out of existence.

I remember being confused as to how they could 'discriminate' [in an OK way, I mean] on the basis of age, but not sex. It seemed irrational, difficult to justify, and just plain ol' anti-women.

Little did I know that this was just the first step in a whole campaign of writing 'woman' out of many areas of life...

🤣🤣🤣👌

Haha, I thought this was funny:

IBC spokesman Steve Kee warned that changing gender could constitute fraud.
“If you’re going to declare on any document, you need to be truthful,” Kee said. “If not, you’re making a fraudulent claim. This could impact you for any future insurance application that you make, or any other aspect of your life.”

Interesting, it makes you think that this has been a problem for insurance companies for years.

It used to be illegal for a man to pretend to be a woman for insurance purposes.

Now, of course, women have to pay the price for their entitlement.

As PPs have pointed out, it is no longer legal for insurance companies to offer different rates for male and female drivers. (They can give different rates for older and younger drivers, however.)

In Canada, however, it is legal (or at least was six years ago). A man did change his legal sex so he could claim lower car insurance:

https://www.insurancebusinessmag.com/ca/news/breaking-news/canadian-changes-sex-for-cheaper-auto-insurance-107243.aspx

I know right? You can always tell, doesn’t matter how much makeup or what’s being worn. As they say, it’s just innate for women as it’s so linked to physical safety, being able to discern what the truth is.

Trans people are ALL terribly mentally distressed and just want to go quietly about their lives.
As all the evidence shows. 🤔

Ha, yes we know. Especially when it comes to our single sex spaces.

But absolutely no one would go to all the trouble of pretending to be trans, right?

Not reading a source of information because you don’t agree with it or like the source is a valid decision. Anyone can make it. Each to their own. But it does mean that people should be able to choose to ignore that person’s opinion without feeling concerned about it. Because it means that it is not really an informed one.

I couldn't agree more, and I do think that this close minded approach is increasing and is problematic. There's a lack of broader consideration; it's just shutting things down.

I absolutely agree.
I think it's also impacting general knowledge and knowledge of current affairs. People used to read newspapers which meant reading a range of topics because they were there.....now it's just whatever pops up on your feed or whatever you specifically seek out.
I find it really worrying.

The reverse is it that my dd was quote a huge amount because she does a "mans" job and works away, thankfully there's a specialist broker that got a better rate (1/3 of admirals quote) we are talking about £650 as a student, £2000 because she had graduated, same car, same home address!

Goes back to a major EU rule change a couple of decades (?) ago which also outlawed higher pension and private health insurance premiums for women so overall it's a mixed bag. And as a pp says there are proxy factors being used.

Well it turns out that the man many thought was proving a point as the hairy version of Mulvaney, was doing just that. Josh Seiter.

https://x.com/salltweets/status/1846375669732978955?s=46

‘A guy pretended to be a “transwoman” for 6 months to show people how ridiculous it is that anyone would think a man can be a woman at all.’

‘If you’re still not convinced, think of it this way: would you have supported him going into a woman only space last week but not this week?’

I couldn't agree more, and I do think that this close minded approach is increasing and is problematic. There's a lack of broader consideration; it's just shutting things down.

I find that reading from a wide range of sources - both left and right - helps me keep an open mind..

This 👆
The fact that people no longer do this is a real problem. We live in echo chambers where algorithms feed us information which is incredibly narrow in focus.

I think so too, otherwise you're just in an echo chamber. It's good to read and consider things outside of a narrow remit.

Ha ha reading the Le Mondeo article, it raher implies that there are some trans people saying that some people aren't "genuinely" trans
.. except it's self ID, so... They can't police it, and say "well this man is actually a woman because he says he is, but that man isn't a woman because he says he is, because we can't have people just saying they're women to get something they want... can we... Because well, then... It means that... wait that man .... Oh fuck"

So you'd read The Telegraph if it was free? What taste and discernment!

Ah but, some people can’t read an article from any source and work out that if there is any doubt about the veracity of the information, they can check other sources, or even work out what could be true or unlikely just from reading. Whatever the source.

Here’s an archive link

https://archive.is/OHwjv

I find that reading from a wide range of sources - both left and right - helps me keep an open mind.

Or these male people from Mexico.

Eight male political candidates who won local elections in Michoacán last month registered as trans women have prompted state electoral officials to launch an investigation.

https://mexiconewsdaily.com/politics/male-candidates-trans-women-michoacan/

They don't base insurance on sex anymore sadly. My DS was surprised about this as he knows men are more likely to drive like idiots.