To think if Sheila's wheels' old policy

[Faultymain5]

of giving good deals to women is discriminatory and against the law that there is no reason for a car insurance application to ask if you are male or female.

Just a fleeting thought as I discover whether my existing renewal quote is better than a new quote altogether.

YANBU. My car insurance is £100 cheaper when I add DH to my policy, even though I have 14 years NCB, he has 3, AND he's younger than me

And Sheila's Wheels was crap for me, I've flitting between Admiral and Aviva year to year.

A number, of but not all insurers have stopped asking gender questions. Most also allow non-binary tiles as well (for example Mx). There might be a limited argument that gender helps with some of the legal requirements. For example, the prevention of financial crime when looking at sanctions lists. However, it is in practice pretty limited these days. Discrimination (positive or negative, direct or indirect) is against the law.

Sex. Not gender

Discrimination (positive or negative, direct or indirect) is against the law.
Only for reserved characteristics - it's still legal to charge very young and very old people extremely high premiums.

@stackemhigh

YANBU. My car insurance is £100 cheaper when I add DH to my policy, even though I have 14 years NCB, he has 3, AND he's younger than me

And Sheila's Wheels was crap for me, I've flitting between Admiral and Aviva year to year.

My car insurance goes down when I add DH, but his goes down when he adds me. It could be a couples thing rather than a sex thing.

My car insurance is £100 cheaper when I add DH to my policy, even though I have 14 years NCB, he has 3, AND he's younger than me angry
My DH's insurance dropped when he added me.

The thing is that premiums are counted on stats as far as I know, otherwise they couldn't defend it. So if stats say that x aged y in area z is more likely to get into an accident/have issues than others, anyone fitting it will be placed there and pay more. That's not discriminatory if it's based on data. It is discriminatory to say that no matter what data say your sex will pay more/less.

@SchrodingersImmigrant

My car insurance is £100 cheaper when I add DH to my policy, even though I have 14 years NCB, he has 3, AND he's younger than me angry My DH's insurance dropped when he added me.

I asked about this once - apparently you are less likely to drive drunk or tired or ill if there is someone else insured to drive your car so less likely for the car to be in an accident.

@SchrodingersImmigrant

The thing is that premiums are counted on stats as far as I know, otherwise they couldn't defend it. So if stats say that x aged y in area z is more likely to get into an accident/have issues than others, anyone fitting it will be placed there and pay more. That's not discriminatory if it's based on data. It is discriminatory to say that no matter what data say your sex will pay more/less.

Insurers always claimed cheaper premiums for females were based on stats though.

They changed a law a while ago, it no longer takes into account sex as it’s illegal.

And stats suck btw. If my DH or I (especially him apparently) had British names, our policy would be cheaper.

Sorry I missed the “old” bit in the OP.

Women do tend to be safer. I used to do data analysis (building machine learning models) and one of our clients was an insurer - I’m trying to be a bit vague here. If you build a model which takes into account every other thing about a driver, so comparing like for like, women are safer drivers. So a man and a woman who have the same driving history, age, miles driven per year, postcode, marital status etc

@Rhayader

They changed a law a while ago, it no longer takes into account sex as it’s illegal.

Yes dear, that's what the OP is about

I thought the law on this changed years ago and that's why Sheila's Wheels didn't do it any more.

I guess it's a good data gathering exercise for marketing etc (and could go into wider statistics about sex differences in accidents/claims etc which could highlight policy gaps) but i don't know if it's legal to collect that data for indirect purposes?

I used to work for an insurance broker. One of the claims team told me the statistic (this would be shortly before they changed the law) that 90% of minor parking shunts were caused by women. And 90% of fatal crashes were caused by men. Makes you think, doesn't it?

That's actually interesting. But kind of gives a value to all that jokes about women and parking...

@OrtamLeevz do you remember if the fatal accidents were mainly the driver victim or others killed as well?

@SchrodingersImmigrant you get charged more if you have a non British name? How do you know that your insurance would be cheaper if you were called John and Jane compare to your name? Not disputing, I'm genuinely curious.

[quote AwaAnBileYerHeid]@SchrodingersImmigrant you get charged more if you have a non British name? How do you know that your insurance would be cheaper if you were called John and Jane compare to your name? Not disputing, I'm genuinely curious.[/quote]
I read about is so we tried it on comparison sites. It was in news few years back. I am not sure if that's been dealt with by now. Haven't tried lately

The law was changed by the EU. I cannot see a reversal of this even with Brexit, though the original idea was to reflect women's overall lower risk of being in a crash and claiming.

Mr Johnson's misogyny stops anything that could favour women.

@SchrodingersImmigrant

The thing is that premiums are counted on stats as far as I know, otherwise they couldn't defend it. So if stats say that x aged y in area z is more likely to get into an accident/have issues than others, anyone fitting it will be placed there and pay more. That's not discriminatory if it's based on data. It is discriminatory to say that no matter what data say your sex will pay more/less.

Yes, but is it discrimination if the stat you are looking at says women drive safer than men or have less fatalities than men in at fault collisions?

You've given an example of drilled down detailed stats. But what if they just took an overall approach?

@JaJaDingDong

Sex. Not gender

It's not that kind of thread. But thanks for your input.

No, @Faultymain5

Every thread is that 'kind of thread' and when we see the opportunity to correct this mistake-a mistake that never benefits women-we should always, always take it.

If we don't do that-pain in the bum though it is to correct it-the two terms will become interchangable and they most certainly are not!

I asked about this once - apparently you are less likely to drive drunk or tired or ill if there is someone else insured to drive your car so less likely for the car to be in an accident.

Ah! this makes sense. You learn something every day.