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Heroes Community > Other Side of the Monitor > Thread: Insurance price, equality (gender)
Thread: Insurance price, equality (gender) This thread is 4 pages long: 1 2 3 4 · NEXT»
Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 10:09 AM

Insurance price, equality (gender)

About bloody time.
____________
"No laughs were had. There is only shame and sadness." Jenny

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mvassilev
mvassilev


Responsible
Undefeatable Hero
posted December 21, 2012 02:30 PM

1. This belongs in the OSM.
2. If women are a lower risk, it makes sense for them to pay a lower premium.
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Eccentric Opinion

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Darkshadow
Darkshadow


Legendary Hero
Cerise Princess
posted December 21, 2012 02:45 PM

Quote:
1. This belongs in the OSM.


So why don't you make a thread about it in the OSM?
____________

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 03:15 PM
Edited by Tsar-Ivor at 15:20, 21 Dec 2012.

I don't really give a ****, I shouldn't have to pay more just because some guys drive like jackasses.

P.S the reason I didn't post this in the OSM, is because I'd prefer not have the select committee scrambling over this, just wanted the laid back guys to talk about it. >.<

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mvassilev
mvassilev


Responsible
Undefeatable Hero
posted December 21, 2012 03:54 PM

Quote:
I shouldn't have to pay more just because some guys drive like jackasses.
The insurance company doesn't know that about you, though. You can't blame them.
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Eccentric Opinion

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gnomes2169
gnomes2169


Honorable
Undefeatable Hero
Duke of the Glade
posted December 21, 2012 06:24 PM

If the only reason for there being different rates was that one driver is a girl and the other driver is a guy, then yeah. I agree that this should happen.
____________
Yeah in the 18th century, two inventions suggested a method of measurement. One won and the other stayed in America.
-Ghost destroying Fred

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 06:39 PM

Still sexist, no matter how you sugar coat it.

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Ghost
Ghost


Legendary Hero
Therefore I am
posted December 21, 2012 06:46 PM

Ant or baby

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mvassilev
mvassilev


Responsible
Undefeatable Hero
posted December 21, 2012 06:46 PM

If males are more likely to get into car accidents, it makes sense to charge them more for insurance. They're a higher-risk group.
____________
Eccentric Opinion

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 07:00 PM
Edited by Tsar-Ivor at 19:02, 21 Dec 2012.

It's clearly illegal to judge someone only on their gender, not quite sure why you two are accepting this outright. I shouldn't be charged more for my insurance unless I've actually done something to instigate it. It's sexist to treat me differently just because I'm a male.

Nevermind, I'm just glad to see justice served.
____________
"No laughs were had. There is only shame and sadness." Jenny

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mvassilev
mvassilev


Responsible
Undefeatable Hero
posted December 21, 2012 07:12 PM

Quote:
It's clearly illegal to judge someone only on their gender, not quite sure why you two are accepting this outright.
It may be illegal, but that doesn't mean it should be. If males are higher-risk (and that's what insurance companies care about - risk) then it makes sense to charge them more. You can say it's sexist, and maybe it is. But if the insurance companies' belief that males are higher-risk is correct, insurance companies aren't doing anything wrong.
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Eccentric Opinion

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blizzardboy
blizzardboy


Honorable
Undefeatable Hero
Iceskating uphill
posted December 21, 2012 07:14 PM
Edited by blizzardboy at 19:19, 21 Dec 2012.

Men drive like ****ing morons. They can and should pay a higher premium than their more conservative counterparts.

Discrimination is not a bad thing; it never has been and it never will be. Only ignorant discrimination is a bad thing.
____________
man with demention and secretly controlled by dark evil forces

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Corribus
Corribus

Hero of Order
The Abyss Staring Back at You
posted December 21, 2012 08:09 PM

Quote:
It's clearly illegal to judge someone only on their gender, not quite sure why you two are accepting this outright.

Insurance premiums are always based on risk calculations.  Frankly it seems unfair to me to tell insurance companies that they cannot take certain factors into consideration when determining risk. It'd be like a casino telling a poker player he's not allowed to consider the cards he has in his hands when he makes a bet.  If you're not going to allow them to consider gender, what's next?  Age?  Driving record?  Actually, what usually happens when you start legislating what factors an insurance company is allowed to consider during underwriting is that everyone's insurance premiums rise.  You can't legislate risk away - all you end up doing is distributing the cost of insuring that risk among more people.  For instance, if you make it illegal for health insurance companies to raise the premiums on people with pre-existing conditions, what insurance companies will do is calculate the average amount extra they will have to shell out for such people over time, and then raise everyone's premiums accordingly to pay for it.  People just don't seem to understand this basic principle of insurance.   Of course, if you're a person with a pre-existing condition, that's great.  But if you're not, you're basically paying to cover the cost of insuring high risk people.  The central question is whether it's really fair to force some people to pay for the cost of insuring higher risk individuals, regardless of whether the factors involved in raising that risk are a matter of personal control or not.

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 08:21 PM
Edited by Tsar-Ivor at 20:41, 21 Dec 2012.

I see what you're getting at, testosterone is causing a higher risk of accident, time to castrate myself.

I'd accept this blatant generalization if it wasn't completely divorced from reality. Not sure what happened to individualism, where you're judged not by your sex or ethnicity, but by your actions and character, (ethos). Oh well, and then they complain that society sucks, when they've painted it all black and white.
____________
"No laughs were had. There is only shame and sadness." Jenny

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Corribus
Corribus

Hero of Order
The Abyss Staring Back at You
posted December 21, 2012 08:50 PM

Every insurance company does underwriting differently, of course, and for people with extensive driving records, such broad risk categorizations may not apply or be necessary.  But if you're a new driver with no record at all, how else do you propose insurance companies determine an appropriate premium?  Roll of the dice?  Ask you if you're a nice guy over the phone?  If the fact is that males are XX% more likely to be in accidents, and an insurance company knows nothing about you except your base demographic category (age, sex, ethnicity, etc.), then as a male you should be paying a XX% higher premium because that's the risk you pose.

If you don't like that, just hack your junk off and voila: instant savings.

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 09:25 PM
Edited by Tsar-Ivor at 21:34, 21 Dec 2012.

Do I get like a third off if I lose only a single testicle?
____________
"No laughs were had. There is only shame and sadness." Jenny

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Corribus
Corribus

Hero of Order
The Abyss Staring Back at You
posted December 21, 2012 09:38 PM

Nope, sorry.  You're either male or not.  Hacking a single nut off does not you a woman make.  

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xerox
xerox


Promising
Undefeatable Hero
posted December 21, 2012 09:41 PM
Edited by xerox at 22:32, 21 Dec 2012.

I was very conflicted when I heard of this. On one hand, I think its important for the state to ensure that no individual is being discriminated. On the other hand, insurance companies have just adapted to reality. And it also raises the question: What is discrimination? Should the state also prevent employers from not hiring old people because they're likely to be less efficient workers?

edit: I just asked my mum what she thought about it. At first, she said that OF COURSE no discrimination should be allowed. Making men pay more just because they're men is the same thing as denying black people to ride the bus. I countered this by saying that there is statistical proof that men are more likely to get into traffic trouble, but that there isn't any statistical proof that black people do worse on the bus than other people. She then told me about another type of traffic insurance, which is equal. You pay less for every year that you're out of damage. So I said: "Well, if there are guys who feel discriminated, then they could just choose another type of insurance such as the one you mentioned". She agreed and concluded that the insurance bill should be up to the insurance company.
____________
Over himself, over his own
body and
mind, the individual is
sovereign.
- John Stuart Mill

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Corribus
Corribus

Hero of Order
The Abyss Staring Back at You
posted December 21, 2012 10:15 PM

Quote:
Making men pay more just because they're men is the same thing as denying black people to ride the bus.

It's not a good analogy.  Nobody is making men pay more just because they're men.  

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Tsar-Ivor
Tsar-Ivor


Promising
Undefeatable Hero
Scourge of God
posted December 21, 2012 10:23 PM

Could've fooled me.
____________
"No laughs were had. There is only shame and sadness." Jenny

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