 After a taxi taking a U turn collided with my car - I have been offered ÂŁ450 by my insurer - should I decline? |
| the insurance is comprehensive & and the alternative would have been a total write off. I need a car as I am partly disabled and unable to walk far, to even catch a bus.... |
|
 Checking ATM Camera in a 7-11? |
| My brother got his wallet stolen at a party, and he knows who did it, they took out money at a 7-11 down the street, and 7-11 wasnt taping at the time, but the atms themselves have cameras dont they? ... |
|
 If I have 20 gold bars, where is the best place to hide them? |
Additional Details
My address is 7902 S. Hamton street, you'll have to figure out the state and ... |
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 If I bought Life insurance for myself today and I died tomorrow, would my family receive the Insurance money? |
| If I bought Life insurance for myself today and I died tomorrow by some freak accident, heart attack or etc., would my beneficiary receive the Insurance money? How does insurance work would I have to ... |
|
 Who pays for the home insurance when you let your house? |
I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.
My friend is gonna let his house to another, so that he ... |
|
 Can you collect on a life insurance policy after suicide? |
| A friend just killed himself and I'm wondering if his wife will be able to collect o his poicy. I've heard the insurance copmpany can void a policy in the first 2 years. But he has had his ... |
|
 Does anyone know the best way to get health insurance if you are self employed.? |
| I am self employed and never even thought about health insurance. I would be very grateful for some advice on how I can get this started, where to begin or if someone knows of companies that are good ... |
|
 Insurance: Huge scam. Agree or Disagree? |
| A friend of mine used to work for an insurance company, so I heard a lot of "things". You HAVE to buy insurance in most cases (car, home, etc) but if any claims are even made, they either ... |
|
 My parents bought me whole life insurence, when I was in high school. Should I keep it or cash it in? |
| I am now 32, married, one child. My wife and I recently got term life for 20 years. The whole life policy premium is $81.45 / quarter ($325.80/ yr). Policy is 15 years old and has a cash value of $... |
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 I need to know if i Get Birth Control from my doctor will my dad be able to tell from the insurance? |
I live in Texas and Have Blue Cross and Blue Sheild.
I am wanting to go get on Birth control, But i need to know if it will show up as Birth Control on anything my dad will get from the ... |
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 Lame answers? |
| Do people answer questions with lame answers just to earn point?... |
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 If the car I am driving is uninsured & I get in an accident & I am not at fault are my damages covered? |
| My sister in law came over my home to visit, she was parked behind me and I was going to run out and grab a pizza, I asked her if I could just borrow her car instead of moving it out of the way to ... |
|
 Should I buy mortage insurance? |
| I keep getting letters in the mail about it, but what's it all about?... |
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 Should I get additional life insurance, if I have substantial coverage thru employer? |
| I am in my late 20's and have 2 daughters. Thru my employer I have about $1 million group term life insurance policy plus death benefit thru vested pension plan. Should I go ahead and purchase ... |
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 My girlfriend died and I had cosigned a car for her. What is the policy regarding that, do I keep the car? |
| Do I have to continue with the payments? Or can I keep the car with out having to finish paying it off since it was her car and she passed away.... |
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Tufty | How do insurance companies like Diamond offer women only policies when there are sex discrimination laws? |
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 |
 
mark_harrison_uk2
|
While it is true that many services are only USED by one sex (few men use tampons, at least not for their intended purposes), it is in most cases illegal to charge different prices on the basis of sex, race, sexuality, or several other things.
The primary legislation governing sex discrimination is the Sex Discrimination Act 1975.
The Act made a specific exemption for insurance companies provided they made the decision on the basis of actuarial data from a large enough dataset to be statistically significant.
In 2003, the European Parliament attempted to pass a directive ending this, but the insurance companies lobbied strongly against the exemption being retained (and it was.)
Whether you feel this is right is another matter.
The following are deliberately provocative, to spur debate, by the way:
- It is legal to offer a woman a discount on an insurance product compared to a man because it is demonstrable that women have fewer accidents.
- It is illegal to offer an Asian a discount on an insurance product compared to an Afro-Carribean despite the fact that it is demonstrable that Asians have fewer accidents [1]
- It is illegal to offer a purely gay man a discount on an insurance product compared to a bisexual despite the fact that it is demonstrable that gays have fewer accidents [1]
[1] No idea whether they are that way round - I was just trying to come up with an example that demonstrated how we are allowed to use actuarial data in some areas but not others. |
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Seco
 |
Because guys dont make a big deal out of little things :-)
(Im going to get soooo many thumbs down for that lol) |
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John L
|
Women are different with a documented difference in risk for the insurance company. |
|
the_answer_for_you
 |
I would assume that its similar to the way that insurance companies can charge people who smoke, or who have bad credit more money. Because its all about statistics. And stats show that the female gender usually costs insurance companies less, at least historically. But in time, history can change the stats.
Make a name for yourself; challenge this rule. I heard that years ago someone challenged a bar saying that "Ladies Night" with free drinks for women discriminated against men, and I think they won.
http://www.usatoday.com/news/offbeat/2004-06-02-ladies-night_x.htm |
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Sal*UK
 |
Men can use them too! |
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Heatherrrrrrrr
|
There are products and services marketing to women only or men only all the time.
Probably because it is the nature of their business. Insurance for women.
Women usually have lower insurance premiums because they are in fewer serious accidents and receive fewer tickets than men. |
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Acka
 |
Its not discrimination,
Its just that they calculate that women are a better risk,
Like older drivers can be a better risk, they will still insure men and younger people. |
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The Ghost
|
Its not classed as discrimination - they charge in line with what they would charge male drivers. |
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Ding Dong
|
It;s not sexual discriminaton. All insurance companies can choose who they insure. Women and girls have less accidents, therefore less money is paid out in claims. These are statistics and have nothing to do with sex. Therefore it is perfectly acceptable. |
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RAY
|
Just as an aside to this Q, all the good points having been already made…..
I remember a case in the UK a few years back where a woman took the local hairdresser to court for charging her more for a hairdo than her husband, even though both haircuts were of a similar style (shortish) and took the same time.
The judge ruled that since women are more demanding than men when it came to hairdressing it was acceptable for them to be charged more.
Relevance to this… as has previously been said, I don’t think it’s discrimination if it’s based on a factual (& provable) difference.
I do know last year (may have been the one before) the EU wrote to every insurer asking for years and years worth of data on pricing by gender for motor insurance. So many co’s didn’t store their data that way the EU had to drop the whole idea. |
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josephrob2003
|
I often wondered how they could advertise in this way,but I bet they are no cheaper,just another gimmick |
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interested_party
|
Because discrimination is necessarily bias in our society.
In western countries it relies on the premise that a white male is dominant and females and other ethnic origins are 'kept down'
When you think about it the whole concept it is insulting to gender and all other ethnics group in the suggestion that they need to be protected!
Positive bias is baaaaaaaaad! |
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LuckyWindy
|
sex discrimination law do not apply to insurance companies. |
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Fizzdudette
|
becuse men are crap drivers |
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