Author Topic: News: Ban on using gender to rate insurance "ridiculous"  (Read 112579 times)

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Offline ClubCalibra

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News: Ban on using gender to rate insurance "ridiculous"
« on: February 17, 2011, 19:19:13 PM »
We believe that this news article might be an interesting discussion point for you guys:

A leading insurance broker has described impending European legislation to ban insurers from using gender to rate premiums as "ridiculous"?.

Two European Court of Justice judges could ban gender discrimination in pricing insurance on March 1, leading to huge hikes in premiums, particularly for women.

But Gerry Bucke, general manager at Adrian Flux Insurance Services, said the new rules would not significantly benefit male drivers, but could see young women paying up to ?1000 a year more.

"If people think that insurance companies will bring premiums for male drivers down to meet those for female drivers in the middle they are likely to be disappointed" he added.

"Despite the hefty increases in premiums we are seeing, there is no profit in the UK car insurance market, and insurers are unlikely to reduce premiums for young men in the long run."

Last year, analysts Tower Watson said that the UK motor insurance market would not be profitable until 2015 at the earliest, partly because of an estimated 30,000 annual fraudulent claims.

Mr Bucke is backed up by the Association of British Insurers (ABI), which says that if the initial decision is upheld it would be "extremely detrimental to UK consumers".

A 2004 EU directive allowing insurers to use gender to rate premiums if they were backed by statistical evidence was successfully challenged last year, leading to next month's crucial appeal.

Mr Bucke revealed that some insurers had already asked for the question of gender to be removed from the quotation process in anticipation of the ruling.

"It's ridiculous really"? he said. "Insurance is a discriminatory business where people pay the appropriate premium based on the risk of claims they represent.

"It's a fact that, for a variety of reasons, male drivers cost insurance companies more than women, just as younger drivers represent a greater risk, or those with a string of motoring offences or a bad claims record."

Young men are twice as likely to claim on their insurance policy than young women, while they are 10 times more likely to have a road accident involving serious injury, which is where the most costly claims occur.
 
"You have to wonder where it will stop"? said Mr Bucke. "Will a 50-year-old end up having to pay the same as a 17-year-old who claims age discrimination? Usually gender discrimination issues are, quite rightly, about giving women equal rights or equal earnings. But this will be unwelcome form of equality for women."

Insurers may attempt to use alternative risk factors as a proxy for gender, such as occupation, vehicle type or even their first name, while attempting to steer clear of indirect discrimination.

Mr Bucke said that, with only a handful of insurers prepared to offer cover for young drivers, it was more important than ever for younger motorists to shop around.

"With premiums for young women expected to reach the ?2,000 mark, it will pay for them to check specialist brokers and not just the comparison websites" he added.

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Offline Dajanitor

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Re: News: Ban on using gender to rate insurance
« Reply #1 on: February 17, 2011, 19:53:57 PM »
As long as my insurance doesnt go up, then yes i agree.

They want equality then they should get it in all forms.

Not pick and choose. I know women who are just as bad drivers if not worse then the men i know.

Hell, most of em take the piss when it snows too, over-exaggeration of safety, and dont bother paying much attention,
just as much as men.

Offline ALZ1307

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Re: News: Ban on using gender to rate insurance
« Reply #2 on: February 17, 2011, 20:15:34 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!
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big shrek

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Re: News: Ban on using gender to rate insurance
« Reply #3 on: February 17, 2011, 20:24:08 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!

+1

my mrs is in her 1st year of driving (on my insurance on the gt) it runs out on june 24th so wanna get her a car for herself by then cos she will have 1 years no claims but i bet its still gonna be sky high for her

Offline Bad Kid

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Re: News: Ban on using gender to rate insurance
« Reply #4 on: February 17, 2011, 20:57:32 PM »
If you take the insurance companies approach of setting premiums based on statistical risk, then it's ok to do the following:

1) Hire more male staff, because they are statistically less likely to get pregnant and have a few months off work
2) Hire more female staff, because they are less chance of being rapists or paedophiles
3) Refuse to hire people in wheelchairs, as they are statistically more likely to cause an obstruction during a fire evacuation than an able bodied person
4) Refuse to hire black people to work on the highways, as their skin tone makes them harder to see at night, LMFAO

Statistically you can find reasons to discriminate against most groups. It's awesome.
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Offline DanSE4

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Re: News: Ban on using gender to rate insurance
« Reply #5 on: February 17, 2011, 21:19:16 PM »
I stopped reading at the point the European Court of Justice were mentioned.

On the news the other day was that, according to the European Courts, sex offenders should have the right to have themselves removed from the sex offenders register as it is a breach of thier "human rights".

The coalition government is considering making moves to have the UK removed from the dictatorship of the European Courts & that, I have to say, is the only f*cking thing they've ever said that I actually agree with!
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Offline Bad Kid

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Re: News: Ban on using gender to rate insurance
« Reply #6 on: February 17, 2011, 21:22:46 PM »
The coalition government is considering making moves to have the UK removed from the dictatorship of the European Courts & that, I have to say, is the only f*cking thing they've ever said that I actually agree with!

So you dont agree with things like the cap on maximum benefit claims per family?

Just about every week I read something that Cameron is doing that makes a lot of common sense. I wouldn't say im a die-hard tory, but 90% of what they do seems like the right thing compared to Labour.
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Offline DanSE4

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Re: News: Ban on using gender to rate insurance
« Reply #7 on: February 17, 2011, 21:27:07 PM »
[quote author=Bad Kid
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Offline Bad Kid

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Re: News: Ban on using gender to rate insurance
« Reply #8 on: February 17, 2011, 21:29:38 PM »
Fair comment, I'm kind of still in the mode, that impressed me yesterday, which was ditch the European Courts dictacting the UK's law so anything else has kind of been brushed under the carpet in my mind.

I'd rather see that sorted first, benefit scroungers second.

I totally agree.

IMO we should go one step further, and be in the EU in terms of trading and finances (including the euro), but out of it altogether for legalities.

We've been doing fine for centuries setting our own laws.
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Offline DanSE4

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Re: News: Ban on using gender to rate insurance
« Reply #9 on: February 17, 2011, 21:37:32 PM »
Better still, all our sponging tax drainers either get an income or f*ck off to France!

Dear European Courts,

That's our offer, do you want our wasters in another EU country or will you f*ck off & leave us alone so that we can publically flog them all?

Lots of Love.

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Offline Bad Kid

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Re: News: Ban on using gender to rate insurance
« Reply #10 on: February 17, 2011, 21:39:25 PM »
Don't worry. Our mate Dave is on the case :) He is already making plans to destroy the benefit scroungers (and probably most of the working class with them)
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Offline DanSE4

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Re: News: Ban on using gender to rate insurance
« Reply #11 on: February 17, 2011, 21:53:19 PM »
Dave's no particular mate of mine.

Destroy the scroungers, yes but the statement "working class" includes those in lower jobs, perhaps through lack of good education or raised in deprived areas, but many of those included in that genre are hard working tax payers who do what they can to support thier families. There's a very fine line but also a big difference within our social segregations that all fall into the "working class" catagory.

Unfortunately, it is often overlooked that the spongers & those who genuinely try to make the best of what they can do are very different things.
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Bovva

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Re: News: Ban on using gender to rate insurance
« Reply #12 on: February 17, 2011, 22:39:54 PM »
I hate biased statistics, yes more men claim than women but i'd be interested to see how many accidents were CAUSED by women along with how many men are there to women on the roads?

I was getting reneweal quotes about

Offline Beafy

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Re: News: Ban on using gender to rate insurance
« Reply #13 on: February 20, 2011, 14:18:52 PM »
I feel seriously strongly about this topic, as my birthday is well... 2 days away :)

And as I've been waiting for YEARS to drive and I decided to have the calibra as a first car I joined this website.
I looked around the insurers websites and comparison sites, the cheapest insurance for me with 1000 squids
Excess was 8000+ Its ridiculous, so I'm having to go on my mothers, not build no claims for 2200 a year.
Even though 2.2K is not that much compared to the 8 Grand bounty they wanted to slap on to my car, it still
pisses me off how criminal they charge.

Thus is why so many un-insured young drivers there are around these days.

Also any body know of any good insurer I can build up no claims on for about 2G would be MUCH appreciated :)

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Re: News: Ban on using gender to rate insurance
« Reply #14 on: February 20, 2011, 15:26:04 PM »
All I can suggest is that you do a pass plus, garage the car, fit a recognised alarm and just bite the bullet on your own policy. You need the no claims if you ever wan't to start seeing a decent drop in your premium.

Offline crazylady

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Re: News: Ban on using gender to rate insurance
« Reply #15 on: February 24, 2011, 00:22:58 AM »
+1

my mrs is in her 1st year of driving (on my insurance on the gt) it runs out on june 24th so wanna get her a car for herself by then cos she will have 1 years no claims but i bet its still gonna be sky high for her

i would check wit them about that, had ex on my insurance for couple years so he could build up his no claims, but most insurance companys state they have to hold own insurance  in their own  name to get year(s) no claims now adays!!!..... screw me right over....

Offline crazylady

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Re: News: Ban on using gender to rate insurance
« Reply #16 on: February 24, 2011, 00:29:49 AM »
These insurance companies wanna stop rating insurance on ur jobs 2...... mine higher as a hairdresser all tho i work in a shop!!!! my insurance gone up this year by 100 pound, Y??? so called because stats show people in their mid 30s have more accidents!!!! people used to get it cheaper when staying with same company, that dont seem to happen anymore either.....

Offline ALZ1307

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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 #18 on: March 01, 2011, 12:41:42 PM »
What about anti age-ism rules?

Should an 18 year old pay more to insure a supra twin turbo than a 40 year old?


LOL
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barrachops

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Re: News: Ban on using gender to rate insurance
« Reply #19 on: March 01, 2011, 12:45:45 PM »


Should an 18 year old pay more to insure a supra twin turbo than a 40 year old?





Yes as they have far less driving experience and are far more likely to drive it like a c***

Offline DanSE4

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Re: News: Ban on using gender to rate insurance
« Reply #20 on: March 01, 2011, 12:46:38 PM »
What about anti age-ism rules?

Although impractical, that is actually a fair point.

If the idiots in Europe want to play the gender card then theoreticlly, age-ism is exactly the same thing.
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Offline will

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Re: News: Ban on using gender to rate insurance
« Reply #21 on: March 01, 2011, 12:46:59 PM »
Folks,

Hello again..................

As someone who works in insurance, this has been brewing for years and was "on the cards" regardless of Europe. Step away from the highly emotive subject of car insurance and move into the more bonkers world pensions, life assurance, PHI and Medical and the subject of "equality" will lead to massive changes in the way people are rated and factored.

Now back to motor insurance: the Directive comes into effect December 2012 so firms are already working out how best to deal with this. the implication - according to the AA - is that male premiums will drop by "upto 10% or so" and female premiums "will rise by upto 40% or more".

On a more amusing note: the Gender Directive and its implications means "sexist" companies and adverts will also be "banned". If I worked at Shelia's Wheels, I'd be having kittens right now......
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Offline Chip

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Re: News: Ban on using gender to rate insurance
« Reply #22 on: March 01, 2011, 12:48:38 PM »
Sheilas' Wheels is a trading name of esure Services Limited which acts as an introducer to FirstAssist Insurance Services Limited, so TBH its really not a case of anyone "working for" sheilas wheels as such anyway, its only a seperate entity from an advertising point of view, the jobs would still exist within the main company anyway.
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Offline ALZ1307

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Re: News: Ban on using gender to rate insurance
« Reply #23 on: March 01, 2011, 12:53:57 PM »
I've no issues with it, and even if I did what could I do about it! Question is where does it end? Young drivers? they are not all sh*t drivers. Folk living out in the sticks? they get it cheaper than inner city folk. Older drivers? Drivers with medical issues?
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 #24 on: March 01, 2011, 12:56:19 PM »
I dont think that its fair that I get discriminated against because I drive a 500bhp mid engined home made vauxhall nova, and they somehow think its more likely to be involved in an accident than my mum's 1.0 toyota aygo, surely thats discrimination too?

lol
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Offline ALZ1307

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Re: News: Ban on using gender to rate insurance
« Reply #25 on: March 01, 2011, 13:11:24 PM »
LOL! And coupe's, how can having 2 less doors make you more likely to wrap it round a lamp post?
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 will

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Re: News: Ban on using gender to rate insurance
« Reply #26 on: March 01, 2011, 13:16:15 PM »
Car insurance is a very strange world indeed with all kinds of "rules", traditions, historical (mis)conceptions and beliefs............
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Re: News: Ban on using gender to rate insurance
« Reply #27 on: March 01, 2011, 13:28:35 PM »
LOL! And coupe's, how can having 2 less doors make you more likely to wrap it round a lamp post?

They are supposedly more appealing to thieves/ joy riders

Offline ALZ1307

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Re: News: Ban on using gender to rate insurance
« Reply #28 on: March 01, 2011, 13:30:38 PM »
All very daft, they'll be asking what music you listen to next while driving as rock/metal is meant to put you in a worse mood than say listening to classical ::)
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 #29 on: March 01, 2011, 13:31:47 PM »
I wont crash then, I never listen to rock music when driving I just watch porn on the in car TV
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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  ::)

Offline RipperRoo

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #45 on: June 16, 2011, 17:59:07 PM »
^^Thats hit the nail on the head, some lads who have trouble getting insured on decent cars and hop from Metro to metro, often do it, to get some return on an otherwise shagged car. Slam on in front of any driver who gets to close, oh look here's a taxi driver in his vectra tail gating us. BANG! Money.

I had an experience where I had bump in my Seat Ibiza years ago, it was about 4mph. It didn't even wake a sleeping baby in the back, the couple were middle aged, and assured me there was no harm done to the car, or them. Cool. Seemed genuine.
Few weeks later, Churchill letter drops through the door, and it's them two Werthers Original sucking, Fair Isle jumper wearing, model yacht painting silvertopped old biddys making whiplash claims. b*stards. They were blatantly fine at the scene, they just hate young people. That's what happens when Hip-Hop meets Hip-Op  >:(

Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #46 on: June 16, 2011, 18:59:27 PM »
^^^Funny reply ;D

Bit hard to take insurers seriously when you look at their pre tax profits :)

Offline RipperRoo

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #47 on: June 17, 2011, 16:54:13 PM »
I'm only ever slightly amusing when angry, any othertime i'm the guy who just smiles politely  ;D Insurance, the whole thing is corrupt.

Offline c20t

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #48 on: June 21, 2011, 15:19:21 PM »
for the insurance company losing money its not as black and white as it seems, i think the main underwriter for the UK is Barclay's, not the bank by the way they are 2 dif company's. barclays have to store cash if that's the right term for all the insurance business an they have lost money but its not all down to insurance fraud from the drive in front an slam on freaks as they don't even really scratch the surface.

    the main loses that they have hit them is infact the volcano last year and European airspace shuttin down for how many weeks it was, the earthquakes japan and Mexico i think it was not to mention the tsunamis. barclays underwrite for most the company's that offer insurance for insurance company's that we the general public and large coperations and business's deal with. so they take the huge hit and raise there premiums to the insurance company's to under write them.

  yet its not all down to the underwriters like barclays, you just have to see how one quotation from one comany to another quote from someone else can vary by something stupid like .?1000 to sit there an think how the hell do they get these figures. i honestly believe that its a basic case of the company sits there an goes what is the most we can get out of them before they refuse to pay.

we do not have an option on if we have insurance and as such we are litterally blackmailed into these high prices in a time where most people including myself have to scrimp and save for most things in live and every penny counts yet are extorted by insurance and fuel company's and don't get me started on the government and what can we do about it, not a damn thing. :o

Offline tommygards

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #49 on: June 21, 2011, 21:46:14 PM »
isn't the whole 'everyone should be equal in everything' idea, the way in which we are heading, the foundation of what is formally known as 'communism'?

Offline Chip

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #50 on: June 22, 2011, 10:55:32 AM »
isn't the whole 'everyone should be equal in everything' idea, the way in which we are heading, the foundation of what is formally known as 'communism'?

Lol

Bit more to it than that, but we only seem to want to copy the bad bits of it.
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Offline crazylady

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #51 on: August 07, 2011, 21:52:39 PM »
my dad, his wife and i had the admiral insurance of muliti car.... cheap first year then went up by 600 pound for second year!!!! all done seperate insurance and mine on a 2.0l 16v calibra at34 turned outn cheaper then a 65 year old driving a suzuki sx4!!!!!! i will gladly say try compare the market and go through endsleigh insurance!!!! cant beat there prices... where i live lots peps boy racing it around and they 50 50 of the time dont cause the accidents... 50 50n of the time it not women that cause them either.....

chaz

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #52 on: August 08, 2011, 19:29:45 PM »
^^^^is this english? :o

Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #53 on: August 08, 2011, 19:35:50 PM »
^^^^is this english? :o

Would you know if it was you Scottish b*stard? ;D

chaz

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #54 on: August 08, 2011, 19:40:38 PM »
Would you know if it was you Scottish b*stard? ;D

lmao away an bile yer heed ya cnt ;D

Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #55 on: August 08, 2011, 19:44:19 PM »
lmao away an bile yer heed ya cnt ;D

lol you haggis eating fart collector ;D

I understood that but we ENGLISH are intellectually superior so it's no surpise ;D

chaz

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #56 on: August 08, 2011, 19:51:14 PM »
get that right mate

a haggis,black puddin irn bru drinkin fart collector ;D

a dinny ken ye canny git onythin rite kin ye ::) ;D

Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #57 on: August 08, 2011, 19:54:54 PM »
lol Chaz, go f*ck yourself you ginger prick ;D

To keep this slightly on topic, been looking up quotes on "gocompare" recently for random cars and noticed an insurer I've never heard of called "XK services" or something very similar to that, they have quoted me cheaper than everyone no matter which car I've asked for the quote on? ??? Any ideas if they're any good?

seems abit too good to be true in this day and age when insurers are happy to arse f*ck you on the price and blame those big bad uninsured drivers ::)

Offline tommygards

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #58 on: August 08, 2011, 20:44:37 PM »
lol Chaz, go f*ck yourself you ginger prick ;D

To keep this slightly on topic, been looking up quotes on "gocompare" recently for random cars and noticed an insurer I've never heard of called "XK services" or something very similar to that, they have quoted me cheaper than everyone no matter which car I've asked for the quote on? ??? Any ideas if they're any good?

seems abit too good to be true in this day and age when insurers are happy to arse f*ck you on the price and blame those big bad uninsured drivers ::)

as its you it probably actually says 'KY services', only available for GAYS :D

Bovva

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Re: News: Ban on using gender to rate insurance "ridiculous"
« Reply #59 on: August 09, 2011, 09:22:53 AM »
as its you it probably actually says 'KY services', only available for GAYS :D

Do you want me to get you a quote then? ;D