Advertisement
Help Keep Boards Alive. Support us by going ad free today. See here: https://subscriptions.boards.ie/.
https://www.boards.ie/group/1878-subscribers-forum

Private Group for paid up members of Boards.ie. Join the club.
Hi all, please see this major site announcement: https://www.boards.ie/discussion/2058427594/boards-ie-2026

Gender based discrimination on car insurance now illegal!

  • 01-03-2011 10:02AM
    #1
    Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    Cheap insurance for women faces axe
    (UKPA) – 2 hours ago
    European judges are set to rule in a landmark legal case which could outlaw the setting of insurance premiums on the basis of differences between men and women.
    The case was brought by the Belgian consumers' association, challenging the use of statistics based on gender - an established measure of risk for car insurance, private medical insurance and pension schemes.
    If the judges back the case, female drivers under 26 in the UK could face a 25% rise in car insurance rates, with a fall in male rates of about 10%, according to the Association of British Insurers.
    Basing insurance rates on statistics about the differing life expectancies or road accident records of men and women is standard practice across Europe. It has been specifically permitted since 2004 in EU equal treatment rules, "if sex is a determining risk factor ... substantiated by relevant and accurate actuarial and statistical data".
    But an Advocate-General at the European Court of Justice has advised the judges to overturn that provision, arguing that "higher-ranking" equality provisions set out in the Charter of Fundamental Rights of the Lisbon Treaty must now apply.
    On the eve of the verdict, Conservative leader in the European Parliament Martin Callanan said: "The last Labour government is to blame for this. By signing us up to the Charter of Fundamental Rights in the Lisbon Treaty they have opened the floodgates to nonsense court rulings like this one. Yet again we are paying dearly for the utter mess bequeathed to us by the last Labour government.
    "Had Labour given us the referendum on Lisbon that they promised, women would almost certainly not be facing devastating hikes in already sky-high motoring bills."
    Labour MEP Arlene McCarthy commented: "Insurance is based on assessment of risk, and gender has always been a factor applied in that calculation. The European Court needs to apply common sense. There could be huge knock on effects for the industry if insurers were no longer allowed to differentiate between men and women affecting many products."
    Open Europe, the think-tank campaigning for EU reforms, says a verdict scrapping differentials would oblige UK insurance providers to raise an estimated extra £936 million to cover themselves against "new uncertainties" created in the market.
    The organisation estimated the move would cost young women drivers between 17-26 an average extra £4,300 more - with an actual saving of £3,250 for men over the same age period. In a "worst case scenario", women drivers' cumulative insurance costs could be as much as £9,300, said the organisation.
    Copyright © 2011 The Press Association. All rights reserved.

    Haha, fu*k your rip off insurance I've a c*ck inside!


«1345678

Comments

  • Closed Accounts Posts: 3,688 ✭✭✭Kasabian


    Good for you.


  • Closed Accounts Posts: 10,808 ✭✭✭✭chin_grin


    Haha, fu*k your rip off insurance I've a c*ck inside!

    <points> BWAAAAAAAAAAAAAHAHAHAHAHAHAHAHAH!


  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    No source available on the web yet, just heard it as breaking news on 98fm...


  • Closed Accounts Posts: 2,630 ✭✭✭folan


    If true, this points to bad news for women drivers, who are about to see premiums go up.


  • Closed Accounts Posts: 10,808 ✭✭✭✭chin_grin


    No source available on the web yet, just heard it as breaking news on 98fm...

    You sure it's not their breakfast show? One of these funny funny ha ha things that the radio stations do now? You know so you don't knife every f*cker that looks at you c*ck-eyed in the a.m. before you get a caffeine buzz on.


  • Advertisement
  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    folan wrote: »
    If true, this points to bad news for women drivers, who are about to see premiums go up.

    Proper order, sure they cause most of the accidents anyway...


  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    chin_grin wrote: »
    You sure it's not their breakfast show? One of these funny funny ha ha things that the radio stations do now? You know so you don't knife every f*cker that looks at you c*ck-eyed in the a.m. before you get a caffeine buzz on.

    No it was the proper newsdesk at 9 O' clock....


  • Closed Accounts Posts: 10,808 ✭✭✭✭chin_grin


    Proper order, sure they cause most of the accidents anyway...

    .............while we're on the subject of stereotyping. What's with those racist taxi drivers?


  • Registered Users, Registered Users 2 Posts: 5,406 ✭✭✭Pompey Magnus


    Link
    Cheap insurance for women faces axe
    (UKPA) – 2 hours ago
    European judges are set to rule in a landmark legal case which could outlaw the setting of insurance premiums on the basis of differences between men and women.
    The case was brought by the Belgian consumers' association, challenging the use of statistics based on gender - an established measure of risk for car insurance, private medical insurance and pension schemes.
    If the judges back the case, female drivers under 26 in the UK could face a 25% rise in car insurance rates, with a fall in male rates of about 10%, according to the Association of British Insurers.
    Basing insurance rates on statistics about the differing life expectancies or road accident records of men and women is standard practice across Europe. It has been specifically permitted since 2004 in EU equal treatment rules, "if sex is a determining risk factor ... substantiated by relevant and accurate actuarial and statistical data".
    But an Advocate-General at the European Court of Justice has advised the judges to overturn that provision, arguing that "higher-ranking" equality provisions set out in the Charter of Fundamental Rights of the Lisbon Treaty must now apply.
    On the eve of the verdict, Conservative leader in the European Parliament Martin Callanan said: "The last Labour government is to blame for this. By signing us up to the Charter of Fundamental Rights in the Lisbon Treaty they have opened the floodgates to nonsense court rulings like this one. Yet again we are paying dearly for the utter mess bequeathed to us by the last Labour government.
    "Had Labour given us the referendum on Lisbon that they promised, women would almost certainly not be facing devastating hikes in already sky-high motoring bills."
    Labour MEP Arlene McCarthy commented: "Insurance is based on assessment of risk, and gender has always been a factor applied in that calculation. The European Court needs to apply common sense. There could be huge knock on effects for the industry if insurers were no longer allowed to differentiate between men and women affecting many products."
    Open Europe, the think-tank campaigning for EU reforms, says a verdict scrapping differentials would oblige UK insurance providers to raise an estimated extra £936 million to cover themselves against "new uncertainties" created in the market.
    The organisation estimated the move would cost young women drivers between 17-26 an average extra £4,300 more - with an actual saving of £3,250 for men over the same age period. In a "worst case scenario", women drivers' cumulative insurance costs could be as much as £9,300, said the organisation.
    Copyright © 2011 The Press Association. All rights reserved.


  • Closed Accounts Posts: 3,688 ✭✭✭Kasabian


    Outcome. Women will pay more for insurance.

    /thread.


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 1,099 ✭✭✭Johnny Bitte


    folan wrote: »
    If true, this points to bad news for women drivers, who are about to see premiums go up.

    Thats exactly what the ****ers will do.


  • Registered Users, Registered Users 2 Posts: 15,646 ✭✭✭✭Vicxas


    About time, i better cancel that sex change...


  • Moderators, Arts Moderators Posts: 36,496 Mod ✭✭✭✭pickarooney


    I'm looking forward to hearing from men cheering the fact they'll now be paying more towards their wives' insurance premiums.


  • Posts: 18,046 ✭✭✭✭ [Deleted User]


    Even if it doesn't go down for men, I'm delighted women will have to pay more to do their make up on the way to work.


  • Closed Accounts Posts: 2,778 ✭✭✭Pauleta


    Its a fine day for feminists. They have finally got equality :D


  • Closed Accounts Posts: 2,630 ✭✭✭folan


    Proper order, sure they cause most of the accidents anyway...
    perhaps, though i doubt that.
    1) Females drive less than males (on average)
    2) Females making claims is a much lower number. Since they are driving less, theres less chance of them getting into a crash.

    however, if you mean bad female drivers cause good male drivers to do stupid things and get into a crash, then i think you should rethink.

    Now bad female drivers further infuriating bad drivers (of both sexes) and thus causeing more collisions..........same goes for bad male drivers.

    its horrible being a guy and paying more insurance just because theres too many bad male drivers out there. though now girls will feel that pinch too.


  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    Kasabian wrote: »
    Outcome. Women will pay more for insurance.

    /thread.

    Yeah but hearing them come on here and try to justify the unjustifable will be gas! The same women who want gender equality in the Dail, let's see how happy they will be to welcome in equality on gender for car insurance.

    If I've been driving for 15 years and have an accident free record, I fail to see how I can represent a higher risk than a woman with an comparable driving record. Motor insurance companies have a lot to answer for in this country I think, I remember the day where I'd be getting quotes for driving a car that were twice the value of the car I was driving, for ONE YEAR THIRD PARTY ONLY COVER!

    Don't think that this kind of sick profit gouging by Irish insurance companies didn't seriously impact on men's ability to get themselves mobile and create jobs for themselves, get van insurance, etc...


  • Registered Users, Registered Users 2 Posts: 14,030 ✭✭✭✭Cuddlesworth


    I would have no problem keeping the sex as a determining risk factor if medical insurance could also do it.


  • Moderators, Category Moderators, Education Moderators, Paid Member Posts: 27,498 CMod ✭✭✭✭spurious


    While they're at it, why should we pay more than other countries in the EU for insurance, male or female, just because we live in Ireland?

    Let's keep going with the 'equality', even when it costs the insurance companies money and not the customers.


  • Registered Users, Registered Users 2 Posts: 33,779 ✭✭✭✭Princess Consuela Bananahammock


    folan wrote: »
    perhaps, though i doubt that.
    1) Females drive less than males (on average)
    2) Females making claims is a much lower number. Since they are driving less, theres less chance of them getting into a crash.

    however, if you mean bad female drivers cause good male drivers to do stupid things and get into a crash, then i think you should rethink.

    Now bad female drivers further infuriating bad drivers (of both sexes) and thus causeing more collisions..........same goes for bad male drivers.

    its horrible being a guy and paying more insurance just because theres too many bad male drivers out there. though now girls will feel that pinch too.

    Kinda reads like women are suddenly causing more accidents then men causing less. Will be interesting to see how the insurance companies react. Some women are going to cry "why is my insurance being hiked up when I've had no accidents in 8 years" and rightfully so. Wonder how the insurance companies will react to that? More likely, the discrencies will meet in the middle, I would assume.

    Other note, I can only see that thius MIGHT happen, rather than it will.
    http://www.breakingnews.ie/ireland/cheaper-insurance-for-women-under-threat-495528.html
    Anything more concrete?

    Everything I don't like is either woke or fascist - possibly both - pick one.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 1,246 ✭✭✭Robxxx7


    Perhaps the EU should do the right thing and force the insurance companies to lower the rates for men rather than increase womens premiums to bring it more in line ... otherwise its a case of more profiteering for the insurance industry.

    I applaud the EU's stance here but its just another excuse for the rip off insurance companies to to realign insurance premiums in there favour


  • Closed Accounts Posts: 2,630 ✭✭✭folan


    Ikky Poo2 wrote: »
    Kinda reads like women are suddenly causing more accidents then men causing less.
    not intentionally.


  • Registered Users, Registered Users 2 Posts: 933 ✭✭✭hal9000


    What ever happens, whoever gets higher or lower premimums, you can be damn sure the only real winner will be the insurance companies.


  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    Ikky Poo2 wrote: »
    Other note, I can only see that thius MIGHT happen, rather than it will.
    http://www.breakingnews.ie/ireland/cheaper-insurance-for-women-under-threat-495528.html
    Anything more concrete?

    It's breaking news on the radio that a judgement has been delivered, hasn't turned up on the news sites as a story yet...


  • Registered Users, Registered Users 2 Posts: 861 ✭✭✭yawnstretch


    About fcking time.

    Equality my ass. Women want it every bloody way and I've had enough.


  • Registered Users, Registered Users 2, Paid Member Posts: 8,570 ✭✭✭RedXIV


    Just so I'm getting this right, so as a couple, i wonder if the raise in female premiums match the lowering of male premiums? Because if it just costs more money than we're already spending, I really hope it doesn't happen. Things are tight enough already :(


  • Registered Users, Registered Users 2 Posts: 1,775 ✭✭✭Spacedog


    Now For FBD to stop descriminating against people who live in postal codes Dublin 22 and 24.

    All insurance companies should be forced to publish their underwriting guidelines by THE FINANCIAL REGULATOR whose job it is to over see banks and insurance services.


  • Registered Users, Registered Users 2 Posts: 6,838 ✭✭✭phill106


    Haha, fu*k your rip off insurance I've a c*ck inside!

    Inside? Where? Whose is it?


    Mine is firmly fixed to the outside of my body


    Though delighted with this, been giving out about it for years, particularly when the politicians were boohooing about risk equalization for health insurance, saying it was illegal etc when at the same time every other ad on the telly was for cheaper car insurance for women!


  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    These parasitic companies have cost this country more jobs and employment potential over the last 15 years with their bullsh*t makey uppy rules that were pitched against anyone who wanted to get up off their arse and create a job.

    I've a mate who has a transport business, he had a claim against one of his drivers a few years back which went to court and he won his case, completely vindicated and was awarded his costs, his premium was loaded hugely for being a party to a claim which he had to declare, while the case was in court for two years.

    Do you think he got refunded the huge loading that he had to pay up for a number of years, (because he couldn't change insurance company while he had a claim pending against him as no other company would touch him)?!?!?!?

    These guys are the vampires of innovation and entrepreneurship to this country, they are like an extention of the public sector, in terms of their petty rules, their "for the file" attitude and their allergy to sensible business practices which accommodate rather than demolish enterprise and trade growth...


  • Advertisement
  • Closed Accounts Posts: 3,911 ✭✭✭HellFireClub


    phill106 wrote: »
    Inside?

    My trousers...
    phill106 wrote: »
    Where?

    See above...
    phill106 wrote: »
    Whose is it?

    I think it's mine!


Advertisement
Advertisement