Author Topic: News: Ban on using gender to rate insurance "ridiculous"  (Read 112582 times)

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Offline ALZ1307

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Re: News: Ban on using gender to rate insurance
« Reply #30 on: March 01, 2011, 13:33:09 PM »
I wont crash then, I never listen to rock music when driving I just watch porn on the in car TV


Mmmmn I think you might as that may well involve having one hand somewhere other than on the steering wheel :P
Lewis Hamilton said that winning his first race felt better than having sex. Kimi's reply to that was, Maybe he never had sex.

Offline Chip

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Re: News: Ban on using gender to rate insurance
« Reply #31 on: March 01, 2011, 13:34:32 PM »
Thats why I need to borrow your daughter to ride round as passenger and allow me to be "hands free" lol
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Offline JON_TETSUO

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Re: News: Ban on using gender to rate insurance
« Reply #32 on: March 01, 2011, 14:40:53 PM »
If rating on gender has suddenly become "discrimination" then where does it all stop?
Surely charging someone more because they live in a dodgy area is discrimination? And charging a higher premium to someone because they've had 8 crashes is discriminating against bad drivers? ;)

Oh dear...
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Offline kilsoj

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #33 on: May 29, 2011, 15:45:23 PM »
hmmm
wonder will they look at the ridiculous prices that we pay in northern ireland.......

its crazy the difference between here and g.b. plus when my gf moved in with me her insurance dropped ?400 just for 0.5miles of difference

there is no continuity 

Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #34 on: June 02, 2011, 16:15:18 PM »
Gender shouln't matter in anything, hopefully someone somewhere will take note and adjust salary's in the same way? Plenty of men do the same work as women and get paid more! Back on topic :) let them carry on, basing insurance on age gender what ever is ridiculas! Bring in a standard rate for years of driving experience for every one, that way I'm fairly sure more would actually be able to afford and have insurance. The premiums young drivers have to pay are absurd frankly!

The problem with equal pay, is that it makes women less attractive to employ.

If you know there is a good chance you might lose someone on full pay for several months due to them having a baby, but another person you pay exactly the same cant get pregnant cause they are a man, as a smaller employer it would be a poor move financially to employ the women.

I think equal pay would only make sense if there were equal paternity and maternity benefits too, otherwise it makes women seem like a bad investment to employers.
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Offline c20t

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #35 on: June 07, 2011, 07:32:11 AM »
only thing i cant understand about this is that yes they went in an said its sexist for women to get cheaper insurance then men but i havnt seen my insurance price lower yet so in the end hasnt this just made the insurance comps richer as they now charge women the same as men instead of men the same as women were.

Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #36 on: June 13, 2011, 15:35:04 PM »
They will have simply merged the risks, so mens will have gone down, but insuramce in general has gone up as more and more people claim for fake whiplash etc which costs us all a fortune every year
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Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #37 on: June 13, 2011, 15:55:26 PM »
The whiplash thing isn't as simple as it sounds, the insurers have caused this issue for themselves.

I'm against people claiming for fake injuries but I know people who have claimed and when I've given them a hard time over it putting all our insurances up they make a good point tbh. They say "Yes I'm against claiming but even if I don't claim my insurance will still be f*cking expensive next year so may aswell take the couple of grand from the claim and use that as my saving for next year". I'm not saying I agree with this but I see their logic.


Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #38 on: June 14, 2011, 13:25:32 PM »
Their logic is massively flawed as IIRC the average payout for whiplash is about 2K and the average cost of paying out for whiplash is about 8K

75% of the money disappears in legal fees and medical inspections etc

The ONLY people really benefitting from it are all the ambulance chasers!

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Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #39 on: June 14, 2011, 14:48:29 PM »
The amount the insurer pays in total for the claim may be higher than what the claimant gets but it doesn't change the fact that they personally will be better off.

Unless you can stop over 50% of the false claims being made, insurance will inevitably get more and more expensive so why bother not claiming?

Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #40 on: June 14, 2011, 15:37:10 PM »
The amount the insurer pays in total for the claim may be higher than what the claimant gets but it doesn't change the fact that they personally will be better off.

Unless you can stop over 50% of the false claims being made, insurance will inevitably get more and more expensive so why bother not claiming?

Thats the sort of mentality that leads to "well I had my hub caps stolen so there is nothing wrong with me going and stealing a set to replace them with" etc TBH

Its fraud, it costs us all a fortune and its wrong, yes its financially beneficial to the people making false claims, but then most thefts and over crimes are beneficial to the people committing them of course!
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Offline DanSE4

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #41 on: June 14, 2011, 16:17:18 PM »
A big problem is the "Ambulance Chasers" as Chip quite rightly puts it.

Very often the referral to a solicitor to make a personal injury claim comes straight from the "Legal Expenses" addition included with most insurance policies these days. In many cases the insured hadn't even consided making an injury claim but on the suggestion of it by one of these companies they will most likely go through with it.

There are of course those people who will immediately grab thier necks after a 5mph shunt & go straight down to A&E but the ambulance chasing companies are also very much to blame. I've had several calls on my mobile over the last few months which have started "Hello, I'm calling about the accident you've had recently................ ......." Wtf? That's a blatent numbers game until someone says "oh, you mean that shunt I had in the car last month" & then the sorry process of the injury claim begins.

I also believe that many people who are simply lured into doing so by these companies don't realize the long term costs & consequences, they likely feel quite thankful to the representitive who's clever wording made them feel like they are receiving something that they are entitled to & deserve.

Stop the ambulance chasers first, then concentrate on the complete fraudsters.
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Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #42 on: June 14, 2011, 17:58:34 PM »
Thats the sort of mentality that leads to "well I had my hub caps stolen so there is nothing wrong with me going and stealing a set to replace them with" etc TBH

Its fraud, it costs us all a fortune and its wrong, yes its financially beneficial to the people making false claims, but then most thefts and over crimes are beneficial to the people committing them of course!


You can call it fraud all you want but the fact is that people get screwed by insurers year in year out and we all know it's not ALL down to false claims and uninsured drivers. The perfect example of this is with the men statistically paying more than women argument. It's the same as some people who fill their car up with fuel and drive off without paying intentionally, if fuel wasn't such a blatantly ridiculous price thanks to the government people would be less inclined to steal fuel. It doesn't make it right to do it but I can see why some people take the risk. The more deprived an area is the more likely the crime is higher in that area, people can often be pushed into doing things they don't necessarily agree with themselves.

I've already looked at rough prices for my renewal next year and even tho I'l have another years no claims, the price is still the same! Where's the incentive by insurers to not make you claim? Some people will claim no matter how expensive or cheap their policy is but for the moral people out there they are more likely to turn down a whiplash claim opportunity if their policy wasn't so bloody expensive!

All I'm saying is that as much as I don't like people who make false claims but I can see why they may be tempted, especially nowadays when the cost of living is so high.



Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #43 on: June 14, 2011, 18:08:09 PM »
Nonsense, the insurance companies are mainly losing money, they arent screwing anyone they are just trying to keep their head above water which is why they keep putitng prices up to try and make up for the increased claims.

Insurance isnt expensive, the fact they are losing money in the main proves it is actually too cheap!

None of us like paying it, but that doesnt make it bad value!

The people screwing us are the ambulance chasers who are making massive profits out of our insurance payments and we get nothing useful from them in return.
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barrachops

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #44 on: June 14, 2011, 18:20:29 PM »
The main problem is not people making exaggerated claims of injury after being in a genuine accident, it is the organised gangs that go out and deliberately cause accidents with unsuspecting members of the public or who set up accidents in order to make big claims for personal injury, I know one such man formally from Iraq (big surprise I know) who has made a fortune from doing exactly that  ::)