|
Modified Cool Cars Navigation
|
Modified Cool Cars
Below, you'll find extensive information on leading Modified Cool Cars articles and products to help you on your way to success.
Do Car Insurers Discriminate?
By William Donnelly-6647
I read a news story recently that made me think. It was about a Swedish transsexual who bought herself an Audi A6 just before undergoing gender reassignment surgery.
When she came to insure the vehicle, the woman's female identity papers had not been issued. Accordingly, the was registered under her prior identity - a mature male with no claims history - at a cheap rate.
Later, after her new papers had arrived, the Swede began ringing round to inform various businesses and organisations that she'd changed gender. All went smoothly until she called her insurance company and was informed that, as a woman, her premium would go up by 1,200 kronor.
"I think it's disgusting. It's clearly discrimination. There's no logic to it," she said.
To begin with, it seemed to me that she'd got what she deserved from her insurance firm. She wanted a new life as a woman, so they issued her with a woman's insurance policy and wiped her old no-claims bonus. Sure, the premium went up - but you could argue that the insurer was only trying to respect the woman's new identity.
To all intents and purposes, I felt, they were taking the gender reassignment more seriously than she herself was.
However, the words of the Swedish transsexual also set me thinking about insurance in a much broader sense. It was the way she accused her insurer of ‘discrimination' that interested me.
As the employee of a insurance firm myself, I am aware that personal details like your age and gender are taken into account when calculating the risk of your having a accident. The vast majority of insurance premiums are based on the results of this kind of calculation.
In terms of gender, for example, women in the UK generally get cheaper insurance than men. That's because study after study has shown that the majority of accidents and motoring offences committed in this country involve male drivers.
On the face of it, the insurer's approach to calculating risk seems perfectly reasonable. However, apply the same method to an interview situation, for instance, and you
Our objective is to provide information you need about Modified Cool Cars so you can get on the road to taking action right away. The icoolauto.com web site provides a ton of information about Modified Cool Cars. In addition, you will find extensive information on leading Modified Cool Cars to help you on your way to success.
Please have a look at our Modified Cool Cars articles, products, resources, and additional information located throughout icoolauto.com.
We strive to provide only quality articles, so if there is a specific topic related to Car that you would like us to cover, please contact us at any time.
And again, thank you to those contributing daily to our Modified Cool Cars web site. |
