Learner car insurance discrimination based on sex?

borderreiver55

Am I missing something?  My current car insurance provider with whom I have been with for 3 years has refused to provide cover for my 17 year old learner driver son.  What I am finding hard to accept is the same insurance company accepted my daughter last year as a 17 year old learner driver with the exact same car (she has since passed and has her own car and insurance) My  Provider is blaming underwriter criteria and forging a full investigation into my complaint but I would really appreciate any thoughts and insights into this grey area.

MyRealNameToo

borderreiver55 said:

Am I missing something?  My current car insurance provider with whom I have been with for 3 years has refused to provide cover for my 17 year old learner driver son.  What I am finding hard to accept is the same insurance company accepted my daughter last year as a 17 year old learner driver with the exact same car (she has since passed and has her own car and insurance) My  Provider is blaming underwriter criteria and forging a full investigation into my complaint but I would really appreciate any thoughts and insights into this grey area.

Insurers change their risk appetite all the timed, if they start seeing adverse development in certain segments they'll either ramp their pricing or stop offering quotes. In this day and age with automated decision making the system itself can do the same if starts seeing too many people accepting quotes for certain segments which probably indicates their pricing is wrong. 

Is your provider an intermediary? If so then they may be rebroking your policy each year so despite the headed paper still says AA or RAC the actual insurer may be a totally different firm if you have renewed your policy since adding your daughter. 

Discrimination by definition means the differentiation is unfair but statics show male and female drivers have different claims experiences, its only because the EU banned pricing based on gender for consumer insurance that its not still a rating factor. The result of which was that girls started paying higher premiums than they used to. 

Ayr_Rage

Maybe they aren't taking ANY 17 year old learner drivers due to a change in policy and it is not discrimination based on gender at all.

singhini

borderreiver55 said:

Am I missing something?  My current car insurance provider with whom I have been with for 3 years has refused to provide cover for my 17 year old learner driver son.  What I am finding hard to accept is the same insurance company accepted my daughter last year as a 17 year old learner driver with the exact same car (she has since passed and has her own car and insurance) My  Provider is blaming underwriter criteria and forging a full investigation into my complaint but I would really appreciate any thoughts and insights into this grey area.

Why did you need to complain?

PHK

I don't think it's a grey area at all or discrimination. A male and female of the same age are going to represent different risks. That's one of the basics of insurance. 

daveyjp

When my daughter was learning the quotes to add her to existing pilicies were so high it was obvious the compny didn't want the business.

Separate learner insurance was far far cheaper.