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# I think it is insanely wonderful
Insurance companies can no longer assess risk using known facts. I so hope they start being bizzarre in retaliation. Question 1: Regardless of gender, age or postcode: Are you fluffeh?
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 14:36, archived)
# It depends on which "facts" you choose to divide people
Why gender? Why not race, or religion?
(I helped save b3ta! emvee cruor deo cruoris, Tue 1 Mar 2011, 14:40, archived)
# Muslim women should pay higher premiums because they can't see out their yashmaks.
Scientific fact.
(I helped save b3ta! Barbarossa is not my real name, Tue 1 Mar 2011, 14:42, archived)
# Fuck yeah
(I helped save b3ta! emvee cruor deo cruoris, Tue 1 Mar 2011, 14:45, archived)
# Ninja women see everything.
Chop socky fact.
(I helped save b3ta! Captain Howdy, Tue 1 Mar 2011, 14:49, archived)
# Free insurance to otters.
(I helped save b3ta! riverghost servicing your mum since, Tue 1 Mar 2011, 14:49, archived)
# Statistics prove they have a greater risk of driving their cars into a lake or river.
(I helped save b3ta! maiden is filmed before a live studio audience, Tue 1 Mar 2011, 15:32, archived)
# Not so!
There is not one documented case.
(I helped save b3ta! riverghost servicing your mum since, Tue 1 Mar 2011, 15:40, archived)
# You are not privvy to OUR data files!
The way we weight our points system is beyond your Science and Understanding mere Mortal - DO NOT QUESTION OUR WAYS!

But we can assure you it's entirely fair and demographically, geographically and ottergraphically correct... in the loosest sense of the word correct.
(I helped save b3ta! maiden is filmed before a live studio audience, Tue 1 Mar 2011, 15:49, archived)
# Gender, age and postcode
are the main definers as to who makes a claim and for how much. If race or religion made a difference, you can be darned sure the insurance companies would take it into account.
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 14:46, archived)
# Why gender?
Why am I lumped in with a category of everyone else who happens to have similar genitals to me?

The only reason they don't take race or religion into account is because it's illegal thanks to anti-discrimination laws. Otherwise you know they would.
(I helped save b3ta! emvee cruor deo cruoris, Tue 1 Mar 2011, 15:22, archived)
# It isn't my fault.
We are all lumped into catergories; it is how the world works. Our current government got about 30% of the vote, if that. So 70% were sold short. I don't like it any more than you do, but show me an alternative that works? Should insurance companies interview each applicant? How much extra would that cost?
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 15:30, archived)
# Well the ECJ has shown the way
By ruling that gender-based discrimination is not allowed, which I think is a step in the right direction.
(I helped save b3ta! emvee cruor deo cruoris, Tue 1 Mar 2011, 15:45, archived)
# It'll be age-based discrimination next, maybe.
(I helped save b3ta! Barbarossa is not my real name, Tue 1 Mar 2011, 15:54, archived)
# Sounds fair enough to me
If it's your first time being insured you get charged a flat rate that goes up or down depending on your experience, claims and no claims. Why your gender, age, colour, creed etc should be a factor is beyond me.
(I helped save b3ta! emvee cruor deo cruoris, Tue 1 Mar 2011, 16:04, archived)
# Well.
If you are male you are more likely to make a claim. If you are under 25 you are more likely to make a claim. What business wouldn't take that into account? They would be stupid. Would you sell private health care to a rugby playing boxer with a 40 a day habit for the same price as a monk? You'd be mad!

edit: and skint in a week.
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 16:53, archived)
# Statistically they woman may be safer driver than men
To say that someone has to pay more because he is a man is discriminatory. The statistic conciders the whole not the individial therefore is inaccurate when applied just to one person.
(I helped save b3ta! riverghost servicing your mum since, Tue 1 Mar 2011, 14:45, archived)
# But insurance is a form of gambling
So statistics is all they have to work with.
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 14:48, archived)
# Not so
They also take in the history of the individual. Anyway the way I see it is you need insurance to drive a car and you can buy to have insurance really cheaply but in effect get basically no cover for damage or accident.
PRetty much it's a licence for insurance companies to print money.
(I helped save b3ta! riverghost servicing your mum since, Tue 1 Mar 2011, 14:53, archived)
# I'm not defending them;
they are rip-off merchants. but so are the general public, it is chicken/egg. My friend works in car insurance and nearly every claim that now comes in for men under 25 says there were 5 people in the car and they all have whiplash.
(I helped save b3ta! TheSundaeLunch I'm a fucking shrub, alright?, Tue 1 Mar 2011, 14:58, archived)
# It's kind of anti-gambling.
I work in insurance software. There can be up to 20 or so factors that are used in calculating a motor insurance quote. The rates used are based on the statistical findings for that particular category, e.g. postcode, mileage, engine size, where you keep your car, etc.

Think of the history of the individual as kind of a trump card...

But yeah, just like a casino or a bookmaker, if the underwriters have done their job properly the insurance company will always win.
(I helped save b3ta! Barbarossa is not my real name, Tue 1 Mar 2011, 15:02, archived)
# Well they always sorta win.
They don't have you pay out. It's in the own interest to pay out a little as possible.
I'm guessing there a formula somewhere which works out the lowest payout level to the least number of paying customers lost.
Additionally if you write insurance softerware, are you a merekat?
(I helped save b3ta! riverghost servicing your mum since, Tue 1 Mar 2011, 15:14, archived)
# Sometimes I feel like a meerkat.
(I helped save b3ta! Barbarossa is not my real name, Tue 1 Mar 2011, 15:15, archived)
# i'm the safest driver ever
i don't fucking drive.
(I helped save b3ta! Smash Monkey lowering the tone of the whole internet, Tue 1 Mar 2011, 15:13, archived)
# You should bloody well still have to pay insurance like the rest of us.
That's discrimination that is!
(I helped save b3ta! Barbarossa is not my real name, Tue 1 Mar 2011, 15:15, archived)
# i pay water rates
but i don't drink water
(I helped save b3ta! Smash Monkey lowering the tone of the whole internet, Tue 1 Mar 2011, 15:16, archived)
# But you are 90% water or is that gin?
(I helped save b3ta! maiden is filmed before a live studio audience, Tue 1 Mar 2011, 15:33, archived)
# bacardi, maybe, but never gin.
gin is the stealer of mondays
(I helped save b3ta! Smash Monkey lowering the tone of the whole internet, Tue 1 Mar 2011, 15:56, archived)