insurance

mozil

Was in work today and seen in the paper about this hole woman no longer getting cheaper car insurance because of gender. The question arose as to the legalitly of insurance companies offering the open drive option on polocies only to those over the age of 25.

I was of the opioinon that this to must be some form of discrimination as how can i be refused this option on the grounds of my age while other lads in work were saying that ins companies can do as they please.

Could someone with the legal backround or knowledge shed some light on the subject obviously if this type of question is against guidelines please remove it

NoQuarter

Let me get this straight... a woman fell down a hole while reading a paper and wants to claim off her car insurance... and doesnt like onioions? Is that right?


Now that my hilarious joke is out of the way, you do have a point, ive set out the 9 grounds you can discriminate on below. As you can see, age is one of them so there are technically discriminating. But what if they say they arent discriminating against the under 25 but are simply giving a benefit to people over 25? Kind of like old pensioners who have earned their pensions.

• Gender
• Civil status
• Family status
• Sexual orientation
• Religion
• Age (does not apply to a person under 16)
• Disability
• Race
• Membership of the Traveller community.

Fey!

Open drive also cuts out at 71, so isn't it technically ageist against older people too?

Procrastastudy

Isn't insurance all about discrimination though? Linking people into groups to manage risk. Isn't it verging on the ridiculous to prevent them from doing it?

mozil

I no its the real world and thats how insurance companies operate.
But lets just say for pig iron I had the financial backing to take such a case which I with no real legal knowledge would guess would probably end up in the courts in europe after a number of drawn out years. Would I win or is there anything in law that allows insurance companies to operate in this manner?

Curious about this now as im trying to get insured on a second car for work, however insurance companies wont give me open drive only alternative is to put it on someone elses name and go down as a named driver which is a bit costly

No.2

mozil wrote: »

I no its the real world and thats how insurance companies operate.
But lets just say for pig iron I had the financial backing to take such a case which I with no real legal knowledge would guess would probably end up in the courts in europe after a number of drawn out years. Would I win or is there anything in law that allows insurance companies to operate in this manner?

Curious about this now as im trying to get insured on a second car for work, however insurance companies wont give me open drive only alternative is to put it on someone elses name and go down as a named driver which is a bit costly

I don't have a consolidated version of the Equal Status Acts 2000 - 2011, but as far as I'm aware there's a limited exemption from the general rule against discrimination for insurers, where the discrimination may be justified by reference to:


(I) actuarial or statistical data obtained from a source on which it is reasonable to rely, or

(II) other relevant underwriting or commercial factors,

(See the Equal Status Act 2000, as amended by Part 14 of the Civil Law (Miscellaneous Provisions) Act 2008.)