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Discrimination in insurance

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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Oh I'm not defending insurance companies at all (I've already stated this), they're a bloody rip off. I just think that comparing it to employers discriminating against women who get pregnant is absurd, for the reasons already stated.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Blagsta wrote:
    Oh I'm not defending insurance companies at all (I've already stated this), they're a bloody rip off. I just think that comparing it to employers discriminating against women who get pregnant is absurd, for the reasons already stated.


    ill put it another way then, would you see anything discriminatory if a guy got sacked from work for dubious reasons but mainly because he wanted more flexible hours to see his kids?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    ill put it another way then, would you see anything discriminatory if a guy got sacked from work for dubious reasons but mainly because he wanted more flexible hours to see his kids?

    Of course.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Blagsta wrote:
    Oh I'm not defending insurance companies at all (I've already stated this), they're a bloody rip off. I just think that comparing it to employers discriminating against women who get pregnant is absurd, for the reasons already stated.

    One involves discrimination against women, the other against age and men.
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    No it doesn't, for the reasons already stated.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Blagsta wrote:
    No it doesn't, for the reasons already stated.

    How is it not discrimination?

    The cost of my insurance is based upon what sex and what age I am, not on me me as an individual.
    Weekender Offender 
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    Teh_GerbilTeh_Gerbil Posts: 13,332 Born on Earth, Raised by The Mix
    Women are more likley to hit stationary objects, the insurance company doesn't have to compensate a tree. Odly enough.

    Men are more liley to hit a moving thing, such as get walloped by a car. Not making them worse drivers, as it takes SKILL to get a moving target. ;)

    Women capaigned for eqaulity. So, pay the same price, damnit! Taking time off work for a new Kid? Both parents should be allowed it, really... but meh, that doesn't make a company money, so men don't get it.

    Sexism still exists against both sexes though. Annoyingly enough.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Skive wrote:
    One involves discrimination against women, the other against age and men.
    The Human Rights Act says that families have a right to raise a family and for that family to be protected by society. Not that everybody has a right to car insurance. It's the same as people complaining about not being able to go to Anne Summers parties.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Not that everybody has a right to car insurance.

    To drive on the road you it's a legal requirement that have insurance. For many people driving is a necessity.

    However you look at it it's still discrimination.
    Weekender Offender 
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    Teh_GerbilTeh_Gerbil Posts: 13,332 Born on Earth, Raised by The Mix
    Some people shouldn't have the right to a car, end.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Teh_Gerbil wrote:
    Some people shouldn't have the right to a car, end.

    Soem people shouldn't have the right to have kids. What is your point?
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Skive wrote:
    To drive on the road you it's a legal requirement that have insurance. For many people driving is a necessity.

    However you look at it it's still discrimination.
    So is not allowing a man in to an Anne Summer's party, so is not allowing women to fight in the front line of the armed forces.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    So is not allowing a man in to an Anne Summer's party, so is not allowing women to fight in the front line of the armed forces.

    We've already established that having children is a 'social necessity', does that not apply to driving?
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Blagsta wrote:
    I just think that comparing it to employers discriminating against women who get pregnant is absurd, for the reasons already stated.

    Because you missed the point of principle and got caught up in the whole "human necessity" angle.

    It makes no difference if something is a necessity. Penalising someone, to any extent, purely on the basis of gender/sexuality/age is wrong. Or do you disagree with that sentiment?

    [quote=-[MoonRat]-]So is not allowing a man in to an Anne Summer's party, so is not allowing women to fight in the front line of the armed forces[/quote]

    So, are those two examples acceptable then? Perhaps, if you think it is, you can explain why.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    If statistics showed that black people were more likely to be involved in accidents on the road would it be acceptable for insurance companies to charge them more?
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Skive wrote:
    We've already established that having children is a 'social necessity', does that not apply to driving?
    Nope, why not use public transport?
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Nope, why not use public transport?

    And that will do for the hundreds of thousands of builders, engineers, plumbers, salesman etc etc ?
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    A question occurs....

    Would women NOT claim it's discrimination if the roles were reversed?

    Whether it is or it isn't might not be the point. I am pretty certain that if women were the heftier payers then they would complain.

    So on that basis, why should men not have a moan. As a group we can/might be bad drivers, but there are exceptions to every rule and that's discrimination based on arbitary grouping.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    klintock wrote:
    Would women NOT claim it's discrimination if the roles were reversed?

    And Blagsta would be first to complain if it were blacks having to pay more.
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Skive wrote:
    If statistics showed that black people were more likely to be involved in accidents on the road would it be acceptable for insurance companies to charge them more?

    I don't think that' a good example. You'd need to be more specific. If a disproportionate amount of black people where statistically being involved in accidents then you'd need to look at the backgrounds of the people in question. You'd probably find it would be the case that, for example, in the majority of the accidents the party at fault was Nigerian. You'd then probably be able to put that down to the fact that a driving test in Nigeria consists of a straight road and 3 strategically placed chickens you have to avoid (for the record: i've no idea what a Nigerian driving test consists of or whether Nigerians are statistically bad drivers :) ).
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    It's a very good example.

    I have to pay more more my insurance than my wife, and we are equally good drivers. IF someone could explain how it is NOT discriminatory that she pays £400 less, then I'd be grateful to hear it.

    I'm not interested in the "social necessity" argument. IT's a simple question.

    How is it NOT discriminatory that I have to pay £400 more for my insurance simply because I have a penis?

    Driving is a social necessity, too, if we're going to go down that road. Move to the Lakes and let us know how long you last without driving.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Kermit wrote:
    It's a very good example.

    I don't think it is at all. Using the current insurance system, that'd just be like clasifying people into male and female and leaving it at that without any further break down, hence my explanation.

    Although i do agree with you that that surely it would be easier to put everyone on the same scale as far as car insurance goes. Taking into consideration years driving experience, accidents and locality. It would mean however that if you had an accident your insurance would go up more considerably than it does now.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    How is discrimination based on the clour of you skin much different than discrimtination based on whether or not you have a cock?
    Weekender Offender 
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I don't think it is at all. Using the current insurance system, that'd just be like clasifying people into male and female and leaving it at that without any further break down, hence my explanation.

    Which is effectively what happens.

    Why else would me and my wife- identical driving record, identical years driving experience, same age, same house, same car- have such a gigantic difference in price?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Kermit wrote:
    £400 more
    :eek: Bloody 'ell!
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Kermit wrote:
    Which is effectively what happens.

    Why else would me and my wife- identical driving record, identical years driving experience, same age, same house, same car- have such a gigantic difference in price?

    As i've said before i don't dispute the wrongness of the situation. What i'm saying is that the current system does break it down further than simply age. Which is why i said that the black drivers example wasn't a precise one.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Skive wrote:
    How is discrimination based on the clour of you skin much different than discrimtination based on whether or not you have a cock?

    Because there is no reason to beleive that the colour of your skin has any effect on driving performance.

    The differences between men and women do lead to differences in driving ability and style however........
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I always thought it was down to statistics? What are you all discussing anyway? The thread seems a little bit muddled up.
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    SkiveSkive Posts: 15,286 Skive's The Limit
    Toadborg wrote:
    Because there is no reason to beleive that the colour of your skin has any effect on driving performance.

    So if the statistics did show that skin colour affected your performance, it would be alright to discriminate then?
    Weekender Offender 
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    SkiveSkive Posts: 15,286 Skive's The Limit
    I always thought it was down to statistics?

    It is. It's based on statistics gained from the ability of other drivers, not from my ability as an individual.
    Weekender Offender 
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