To be at a total loss how the EU ruling re women drivers can be justified?

[BellaMagnificat]

Nowe I am no right wing DM reader. But -
Surely to God insurance premiums (prmeia?) are calculated according to certain well-researched risk factors. Being young and male is a greater risk factor on the whole than being young and female. It's crap for all the careful young male drivers, but that's the way these things work.

End of, surely?

The one area I would question is older drivers. Though they drove fewer miles than other demographics, some of the ahh...skill failures I've witnessed with members of my family have been very disturbing, yet this not reflected in the premium. Of course, that would now be ageist, wouldn't it.

And since when was car insurance a basic human right?

Could not agree more. T'is only a matter of time before the ageism issue goes the same way. Then everyone will be subsidising the riskiest drivers.

YANBU. Totally stupid decision. Thanks a fucking bunch EU.

Yet again I find myself asking what exactly is the point of the EU? Would love someone to come along and explain it to me because it seems like it's just one more layer of irritating bureaucracy in all of our lives.

I'm all for free trade and international cooperation but we have that with countries outside the EU anyway.

"It's crap for all the careful young male drivers"

You said it yourself. It's sexist to tar the careful young male driver with the brush of the other non-careful young male drivers.

I think it is about time they reviewed the no claims bonus, too. I thought that we were supposed to believe in 'innocent until proved guilty'.

Car insurance is a service being offered, goods or sevices cannot be offered or priced soley on the basis of gender. I agree with the decision. The Equality Bill, formally the Human Rights Act has brought in new leglislation, such as the right to breastfeed in public, which will and has improved life for everyone. Car insurance is overpriced. We are paying into the mega profits of a few private companies not because of anyones bad driving.

YANBU

Utterly ridiculous. Insurance premiums are based on actuarial research/analysis. This really isn't something that should be legislated.

Just think about all the money you'll make on old age annuities though. The payout for women because they live longer will be so much more now that they aren't allowed to discriminate based on sex (previously men got more because they were presumed to die sooner).

Insurance premiums should be based mainly on actual driving record. This is to a large extent the case. So, on the whole older drivers pay less because most of them have few major incidents. If their skills decline and they start having prangs, their premiums will rise (bye bye no-claims bonus)

Starting all new drivers on an equal basis seems fair - the sheep and goats become apparent soon enough. (I have a DD, no sons, I'm not gaining by this change, BTW)