Positive Discrimination - Positive Action

[EFLImpudence]

Because the insurance industry has a points system to evaluate the liability based on their experience.

If the points for middle-aged ladies is less than teenage boys then charging them both the same is NOT removing a discrimination against teenage boys but unfairly disadvantaging and discriminating AGAINST middle-aged ladies who will not cost the same in pay-outs.

Should all house contents insurance premiums be the same although large houses with many valuable items cost the insurance companies more?

There certainly is a decided lack of 'common' sense in the country these days compared to the amount of politically correct nonsense.

 

[groovynooby]

Yes Cajar, now you mention it I have heard that somewhere before too. But the point stands I think, that despite women having more 'dinks', if statistically they are costing us less, for whatever reason, then shouldn't they benefit in our free market society?

I'm confused over this actually and TBH, because it discriminates against young men who are good. I'm beginning to think you just can't win either way and that, whoever said it earlier, someone is always going to lose out.

Safe journey RH. I'm out and about all day too...

I don't actually think their premiums should be cheaper because it's discrimination, no more so than I think it would be fair to discriminate against a job candidate because she is female, based on the data that say women spend less time at work, and often take time out to start a family. Who is to say that every women is the same and should be disadvantaged because of the gender she cannot change (mostly). Asian drivers have a bad stereotype so I'll use that as an example, if a insurance companies charged more because one was Asian, it would be a clear case of discrimination, so why did gender discrimination perpetuate for so long in the insurance industry.

Because it made sense, female drivers represent a lower risk and were charged accordingly, now female policies have increased to bring them in line with men... lets hope they don't bring age into otherwise the already ridiculously high cost for younger drivers will probably mean everyone else paying a load more to soak-up some of the cost, either that or young drivers won't be able to get insured unless their seriously loaded.

 

[cajar]

So would an employer be justified in discriminating against employing a woman because statisticly they spend less time at work, that follows the same logic.

 

[groovynooby]

So would an employer be justified in discriminating against employing a woman because statisticly they spend less time at work, that follows the same logic.

Legally, no... though in the case of a very small employer, where the implications of a pregnant employee could be significant, it may be understandable.

In the case of car insurance though female drivers have generally seen their policy costs increase so I'm not sure it's a piece of equality legislation that they would approve of.

Everything about insurance is based on a calculated gamble, the cost of the premium reflects the likelihood of a member of the group you fit into claiming and how much that claim is likely to be, hence young drivers who are more likely to have expensive accidents are charged through the nose.

You are measured on all attributes that the company care to gather (age, occupation, area, etc), with the exception of gender, and compared against a set of statistics that allow them to establish the level of risk you potentially represent - the policy cost will hopefully, if priced correctly, allow the insurance company to have a large enough pool of money to meet it's obligations with regards to payouts and also net the shareholders a profit.

I would imagine that if equality came into it we would all be charged the same price and that would probably be the highest.

 

[Big Tone]

 

But ageism is justified in this case, if you can call it that.  If you have just passed your test in your late teens there’s no way you will be anything like as safe as a 40 or 50 year old veteran driver.  That’s not ageism, that’s a fact! 

It’s going back to ‘all are equal but some are more equal’ because you can’t tell it as it is, no matter how true.  This is why I dislike the stuffy PC brigade.

"You want the truth? You can't handle the truth!" And we all know what happened to him.  

 

[groovynooby]

 

But ageism is justified in this case, if you can call it that.  If you have just passed your test in your late teens there’s no way you will be anything like as safe as a 40 or 50 year old veteran driver.  That’s not ageism, that’s a fact! 

It’s going back to ‘all are equal but some are more equal’ because you can’t tell it as it is, no matter how true.  This is why I dislike the stuffy PC brigade.

"You want the truth? You can't handle the truth!" And we all know what happened to him.  

The same goes for women drivers, they, as a matter of fact, cost insurers less when compared to male drivers.

Now female policies have gone up, I wonder whether male policies have gone down in relation to this... maybe they have?

 

[jockscott]

My take on gender equality?? Women asked for and got equality with men years ago, but they aren't quite equal,, are they?? Wimbledon womens matches, are shorter than the corresponding mens matches.. Michelle Wie, tried to hack it with the men on the golf circuit.(and failed) Women dart players can't really compete with the men..
As cajar pointed out re- women drivers,, they drive far less miles per year than men, so statistically have more accidents per mile driven than us men do.. so they are actually the worse drivers. Statistics though are strange things,, you can extract information from them to almost say what you want.

Insurance companies also take the value of the vehicle into consideration when quoting for insurance,,, but not always the way you or I would think.. A 30yr old insuring a car worth say £600, might actually save on premiums by telling the insurance company it's worth £1300.. The insurance co believe that someone will take more care of a car of a higher value, than a car with a low value.

 

[Big Tone]

But do women drive less because they are not getting jobs which demand/require driving because, as women, they don't get those jobs? Maybe it's because we need more positive action?

Could not agree more with you Jock! As a dear ole friend of mine used to say, if he's still alive, "statistics are like a Bikini. What they reveal is interesting but what they conceal is vital! " My friend Tim Harris.

When I come back from France later this year, maybe I'll go up North and you'll buy me a beer....

Add: There are differences; that obvious to a Dung Beetle. It is more about respect.

In the bad old times, women were put down because they 'just' did the cooking or they 'just' cleaned and washed. My dad brought home 'the bacon' and gave my mym an allowance. I'm old enough to remember those days.

I'm glad those days have gone actually. In the Far East they respect people who do any job, however ostensibly and ignorantly humble in Western eyes...

The West are clueless to this concept, sadly. But that's for another day on social media I expect......

 

[JBR]

Insurance companies also take the value of the vehicle into consideration when quoting for insurance,,, but not always the way you or I would think.. A 30yr old insuring a car worth say £600, might actually save on premiums by telling the insurance company it's worth £1300.. The insurance co believe that someone will take more care of a car of a higher value, than a car with a low value.

What an excellent idea. I'm going to tell them that my 11year old Skoda is worth £25,000.

 

[jockscott]

But do women drive less because they are not getting jobs which demand/require driving because, as women, they don't get those jobs? Maybe it's because we need more positive action?

Nah BT, I personally know women who drive (if ye can call it that,, more like point the car in the direction they want and hit the bloody accelerator) Women do seem to lack the spatial awareness though. They do struggle with reversing. One of ma neighbours can pull her car into their drive, but has to get her man to reverse it out in the morning. (don't know what she'd do if he left her)

In the Far East they respect people who do any job, however ostensibly and ignorantly humble in Western eyes..

But surely respect is a two way street BT? Down our local council offices the other week, I held a door open for a woman in a wheelchair. As she approached me I said "Here ye go hen," to which she replied " Don't need you to hold a door open for me just because I'm in a wheelchair." I told her I'd have held the door open , even if she'd been fully able. All about respect as I see it. ( think she might have just had a bit of a chip on her shoulder) If I'm ever down there again paying the council tax and see her, I won't be holding any bloody door open for her (miserable cow)

 

[jockscott]

What an excellent idea. I'm going to tell them that my 11year old Skoda is worth £25,000.

 

[Big Tone]

Yep Jock, as I know all too well, people with a disability can be JUST as cantankerous as anyone else.

If you're ever down this way, give me a shout...

Actually, anyone here give me a shout if you're in Brum town...

 

[JBR]

Nah BT, I personally know women who drive (if ye can call it that,, more like point the car in the direction they want and hit the bloody accelerator) Women do seem to lack the spatial awareness though. They do struggle with reversing.

In all fairness, my wife is an excellent driver.

She's almost as good as me.

 

[joe-90]

I think I know your wife mate. Is she a driver joiner?

 

[wobs]

But do women drive less because they are not getting jobs which demand/require driving because, as women, they don't get those jobs? Maybe it's because we need more positive action?

...

Women on average choose jobs that a closer to home, are shorter hours, and more comfortable. Much of this leads to less driving.