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About LinkBacksbah bah black sheep is illegal? wow...
bah bah black sheep is illegal? wow...
Apparently these days children are taught "baa baa rainbow sheep".Originally Posted by Aez
Back on topic though, I am also curious as to just whether they would be able to refuse insurance just for being a man.
I don't think bah bah black sheep is illegal, more Guardian reader, middle class housewife types have complained that its racist, leading to it being fazed out.
Of course, to your average Guardian reader, everything is racist.
'Blackboard? BLACKBOARD? B-L-A-C-K-B-O-A-R-D?! Are you the founder member of the neo-Nazi, BNP, Combat 18, White power, death to the darkies movement, OR DO YOU JUST VOTE FOR THE TORY PARTY AND READ THE SUN YOU MASSIVE RACIST HEAD?!'
Club in Australia bans hetrosexuals - Aussie Gay Pub Bans Heterosexuals - Offbeat
This concept of equality via discrimination but only against the majority will not work.
Last edited by Stewart; 09-04-2008 at 07:00 AM.
Won't somebody think of the children?
For the record, my car is insured by Sheila's Wheels for the second year in a row, as they have been the cheapest both years (although it did require us ignoring the renewal and going through confused.com again to get a better quote...)
When renewed my car insurance last year I used Confused.com (or some other similiar site) and Shelias Wheels was the 5th cheapest, only £20 more than Esure (which I am led to believe is the same company). Was going to go with them for a luagh, but decided against it in the end.
Aww, you mean they do insure mens cars? Spoilt the fun now.
Discriminate against me as a white male so I can complain about it!
OK, since I have been studying all night I will keep it short and I will copy some stuff from wiki. I will assume A Level stats knowledgewell lets keep this one different then
im rather curious to know what you have to say also
Insurance is a contract that pays out if an event happens. So insurance is priced purely by the risk of that event happening. There is a probability associated with this risk. Women have one probability distribution, men have another. Different demographics also have different distributions too (you might have seen insurance for old people). The insurance company has to decide whether to take this risk or not. There is no reason why they have to accept a contract that they don't want (eg insuring a man).
Here is a shortened quote from wikipedia:
The key word there being homogeneous. Lets give an example: this insurer knows on average 5% of women are going to claim and say the average claim is £1000. So the fair price for an insurance contract (for an average risk woman) would be 5% x £1000 = £50. If you add men into the equation then it totally changes. Also they may have hedged the risk (in advance) by selling a "Woman Driver Bond" (I'm not sure if these exist I am being hypothetical), they can't just turn around and violate any contractual agreement they may have made because Stewart likes making a fuss and ranting for no reason
By specialising with women only, they are controlling the risk that they want and can more accurately model the distribution of claims. eg say that the women's 90% confidence interval for claiming is 5%-8% and the mens is 7-12%. Clearly, selling woman insurance is a lot less risky than selling men's. They are completely different things! Its not illegal for Tesco to not sell Swedish apples to a Swedish guy when they sell English apples to an English guy. They are different products, just like insurance for men and women.
In short: They can to refuse you because you are a man. It might be wrong "morally" but just like a bank can refuse to give you a loan because you are a risk*, an insurance company doesn't have to insure you.
*you might be less of a risk than someone they would accept, but if you do not fit their requirements (eg they may be looking for people with a certain correlation to their current assets/liabilities) they will still reject you.
Stewart, if you ask them for a product they sell, I am sure they would sell it to you
PS: I have no experience in the insurance industry, but the above stuff is probably correct because I am a statistician
and I ended up writing all of that myself... silly wiki didn't have something similar on
edit: I feel a bit like Saracen now... lol
Last edited by SiM; 09-04-2008 at 08:49 AM.
I have a policy of not doing business with companys that have irritating adverts so Sheilas Wheels is right out anyway.
well lets keep this one different then
im rather curious to know what you have to say also
i'll second that....
I've always been curious, in fact, one 'womens only' insurance, Diamond IIRC? actually granted me insurance on a car, so....?
/confused
A statistician you say? Then maybe you can understand this amazing statistician joke!PS: I have no experience in the insurance industry, but the above stuff is probably correct because I am a statistician
Why are the mean, median, and mode like a valuable piece of real estate?
LOCATION! LOCATION! LOCATION!
I'm told its quite the funny, if you are a statistician.
Erm... not much to understand there... but like all other statistic jokes its not funny
No, actually the car is registered to, and insured by, my wife, who is an woman.
However, they did bend their normally ultra-strict 'no men not never' rules (just this once, mind) to allow a white, middle class, educated, professional man be insured as a named driver. That's positive discrimination, in my book.
Fun's still on!
ive been bared from a gay club for being straight.
Ah well in that case...No, actually the car is registered to, and insured by, my wife, who is an woman.
Fun's still on!
I AM NOT AN ANIMAL! I HAVE A DREAM! I AM NOT A BEAST OF BURDEN! FIGHT THE GOOD FIGHT BROTHERS! WHITE MALES WILL NO LONGER LIVE IN THE SHADOWS!
oh shut up.
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