anyone got an insurance quote since the new gender rule?

[steebo888]

thought id get a quote yesterday to see if it is now cheaper for me

currenty pay £540 and found £475 on comparison site so over 10% cheaper for me

one of the moneyadvice websites was suggesting some people paying over a grand could cancel policy and start a new one which could save hundreds.

[TRB]

I've not had a quote yet, but I don't really understand the changes.

Insurance is based on risk, how old, where you live, age, etc - so why not gender as the stats show there is a big difference.

[zeduffman]

TRB said:

I've not had a quote yet, but I don't really understand the changes.

Insurance is based on risk, how old, where you live, age, etc - so why not gender as the stats show there is a big difference.

Because European Union.

[Dog Star]

I'm not impressed. The OHs insurance (mid 40's professional female, 20+years licence and NCB, no points ever) for a 7 year old Volvo V70 2.4 Auto - renewal (LV) £461. Best other quote - £670!!!

To put this into perspective - I'm 4 years younger than she is and pay £390 for a brand spanking new SLK250CDI AMG. WTF - how does that work? I'd have expected her premiums to be sub £300 (as they were for her previous Merc C220 CDi Coupe).

[Bear Phils]

Just quoted. Identical to the one I did last week.

[Benjy911]

Mine has come down, I've just done a quote, 2ncb age 20 driving a 1.8 Corsa and it's £545.

Tried an Astra VXR and it's £799.

[After_Shock]

Benjy911 said:

Mine has come down, I've just done a quote, 2ncb age 20 driving a 1.8 Corsa and it's £545.

Tried an Astra VXR and it's £799.

They arent bad for you age really!

[FisiP1]

Benjy911 said:

Mine has come down, I've just done a quote, 2ncb age 20 driving a 1.8 Corsa and it's £545.

Tried an Astra VXR and it's £799.

Those are pretty good.

[Robmarriott]

I'm assuming anyone insuring a car for himself and the wife is finding the price has gone up?

[steebo888]

Benjy911 said:

Mine has come down, I've just done a quote, 2ncb age 20 driving a 1.8 Corsa and it's £545.

Tried an Astra VXR and it's £799.

799 is really good for vxr

when i was 20 with 2ncb, no points and had a clio 172 it was 1800

[TheTurbonator]

zeduffman said:

TRB said:

I've not had a quote yet, but I don't really understand the changes.

Insurance is based on risk, how old, where you live, age, etc - so why not gender as the stats show there is a big difference.

Because European Union.

It's illegal to discrimate aginst something that someone has no control over. You choose your address, car, how you drive, where you drive etc etc but you have no control over your sex.

[PH lurker]

TheTurbonator said:

It's illegal to discrimate aginst something that someone has no control over. You choose your address, car, how you drive, where you drive etc etc but you have no control over your sex.

And your age?

[Terminator X]

Still seems strange though, if women are statistically safer drivers why shouldn't they pay less?

TX.

[rj1986]

Benjy911 said:

Tried an Astra VXR and it's £799.

Im sure that quote is missing a digit off the end.

[Benjy911]

rj1986 said:

Im sure that quote is missing a digit off the end.

Yep, the 24p

http://i90.photobucket.com/albums/k275/benjy911/Un...

I also tried it on my dad's Boxster which he has recently sold and it was £863.

http://s90.beta.photobucket.com/user/benjy911/medi...

I'm certainly not complaining!

[CraigyMc]

Terminator X said:

Still seems strange though, if women are statistically safer drivers why shouldn't they pay less?

TX.

Nicked from the LV= website:
Council Directive 2004/113/EC is known as the EU Gender Directive.
It relates to a requirement across the EU for equal treatment between men and women. In particular it prohibits considering gender when calculating the cost of insurance.
Following the Test-Achats ruling in March 2011, the European Court of Justice removed an exemption which allows gender specific pricing for insurance contracts because of statistical differences in risk.
As a result, from 21 December 2012, EU insurers can no longer consider gender when calculating an insurance quote.



Hypothetically, imagine if statistically white people were 3x as likely to crash as another race were. Would it be "alright" to charge more based on race?
Would it be OK to charge more if you were Christian than if you were Pagan?
Would it be OK to charge more if you were liberal than conservative?
Would it be OK to charge more if you were straight than gay?
There are lots of observations you could make statistically that it'd be a really bad idea for insurance premiums to take into account: Race, Religion, Politics, Sexual Preferences, etc etc etc.

Just add gender to the list. Age might be next (but instead, insurance companies will look at "how long you have held a license" as a measure of experience, which is tantamount to the same thing.)

C

[FisiP1]

Benjy911 said:

rj1986 said:

Im sure that quote is missing a digit off the end.

Yep, the 24p

http://i90.photobucket.com/albums/k275/benjy911/Un...

I also tried it on my dad's Boxster which he has recently sold and it was £863.

http://s90.beta.photobucket.com/user/benjy911/medi...

I'm certainly not complaining!

Time to go buy yourself something nice and quick then!

[dxg]

Got my annual renewal through yesterday. £350 for this year will be £300 for 2013.

[Tc24]

Ran through a quote out of interest yesterday based on current details (20, 3 years NCB, Civic EP2) - £470 as opposed to around £600 a month or so back.

Not sure that's all due to the directive though as ratings go up and down all the time.

[Chrisw666]

Renewal for Puma, £571.58!

33 year old, home owner, car on drive, full ncb, 3 points and 2 non fault claims.

I refuse to pay more that the car is worth for insurance on principle.