Car insurance cheaper if non binary instead of male or female - Australia

[FeralWoman]

Here’s some batshittery from Australia. If you identify as non binary when insuring your car you can get cheaper car insurance. Some insurers will offer a cheaper rate for non binary than make or female, and other insurers offer a rate equal to female.

www.dailymail.co.uk/news/article-15340105/NRMA-Allianz-non-binary-2GB-Fordham.html

Such bullshit. It’s supposed to be based on actual observed risk and real data, not imaginary gender.

I’m hoping that a lot of young men decided to identify as non binary today and rang their car insurers to change their gender. I joked to DH that he needs to identify as non binary and get a cheaper rate. Apparently it would be lying and wrong to do that if it’s not real. Hilarious! Non binary isn’t real.

https://www.finder.com.au/news/will-saying-youre-non-binary-get-you-cheaper-car-insurance-heres-the-truth

Do women get cheaper car insurance than men in Australia? I don't think that is the case in the UK any more. But if it was the case in Australia then it would make sense that it was cheaper not to be a man at least.
I wonder if changing my LinkedIn profile to they/them would be enough "evidence" to present?

"While the difference [in data] is clear for males and females, data on the impact of gender identity, as opposed to sex, is more difficult to find."

No shit!

Where do NBs drive - down the middle of the road? I would have thought the cost would be higher then.

@yorkshiretoffee Yes women get cheaper car insurance. The most expensive is young men aged 16 to 25. They have more accidents and drive more dangerously so they have to pay more.

"today I feel like driving on the left, but tomorrow I might feel like driving on the right, or I might change half way through my journey"

Absolute twaddle 🙄

It's so bigoted to have a binary of either driving on the left or right depending on what country you are in. Let's campaign to queer up driving and let everyone decide which side they want to drive on

Yes!

It's offensive to have to pick a side. We don't even need a campaign. Let's just do it. After all, rules and judgments are optional, right?

Huh, unnecessary trans-bashing on Mumsnet. Who'd have thought it?

Nobody mentioned trans apart from you. This is about non binary.

It's good you're here. What are your thoughts? Do you think this is workable?

Please stop with the misgendering, they are non binary!

Who would have thought having a mental health issue would get you cheaper insurance?

Complaining about a commercial company offering a lower rate to a group that they think will be a good customer group for them is a ridiculous thing to do.

Why do they present a lower risk? If they’ve gone through male puberty then surely their risk is the same as males. Talking of M to F.

It'll hit their bottom line if the male section of the non-binary "good customer group" continue to drive and have accidents and make claims in line with the pattern of the rest of the male population. Which they will.

Whereupon the premiums for everyone will go up. Hey ho!

One of the companies is reviewing their new non binary option.

https://www.dailymail.co.uk/news/article-15343721/Insurance-companies-non-binary-loophole-nrma-allianz.html

Who'd have thought that anyone would game the system?

😱

Ha!

Quite.

What about transwomen? Can they get cheaper insurance than men in Australia?

From the Mail story.

"However, AAMI and GIO invite customers who do not identify as male or female to 'select the gender you are most comfortable with'."

I don't doubt that quite a few men would suddenly feel most comfortable identifying as female.

Yes. Legally they’re women under our law, particularly the Sex Discrimination Act.

It’s insurance company bashing, which is always ok.

Absolutely.

Is it down to statistics? In 2024 (for example) 30,000 men had an RTA, 20,000 women and 5 non binary people? So the software assumes non binary people are safer drivers?

Disclaimer: all numbers are totally & utterly made up.

I saw this the other day. I love NRMA, but this was hilarious because it is a road to ruin for that policy.

Because, the statistics will very much play against them on covering this.

What I did not pick up was whether female people got cheaper quotes than the NB quote. @FeralWoman have you seen whether this is the case?

@Helleofabore Women aren’t cheaper than NB. NB might be cheaper than or equal to women, depending on the insurer.