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Transgender car insurance

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  • 11-04-2017 9:02pm
    #1
    mrottopup
    Registered Users Posts: 14 ✭


    Hi

    Recently I've been thinking with the rise of pc culture and social justice warriors would it be possible to get insurance and say you identify as female? I know this sounds stupid but the insurance companies are so blatantly robbing young male drivers. I got a quote from axa for 6000€ on a 1.2l golf on a provisional and I know young females get much lower insurance than young men. am I crazy for thinking of taking advantage of the acceptance of trans people? what do you guys think.


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    #2
    Sleeper12
    Registered Users Posts: 17,087 ✭✭✭✭Sleeper12


    mrottopup wrote:
    Recently I've been thinking with the rise of pc culture and social justice warriors would it be possible to get insurance and say you identify as female? I know this sounds stupid but the insurance companies are so blatantly robbing young male drivers. I got a quote from axa for 6000€ on a 1.2l golf on a provisional and I know young females get much lower insurance than young men. am I crazy for thinking of taking advantage of the acceptance of trans people? what do you guys think.


    Female drivers no longer get cheaper car insurance. It was proven to be discriminating


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    #3
    L1011
    Registered Users Posts: 69,013 ✭✭✭✭L1011


    mrottopup wrote: »
    Hi

    Recently I've been thinking with the rise of pc culture and social justice warriors would it be possible to get insurance and say you identify as female? I know this sounds stupid but the insurance companies are so blatantly robbing young male drivers. I got a quote from axa for 6000€ on a 1.2l golf on a provisional and I know young females get much lower insurance than young men. am I crazy for thinking of taking advantage of the acceptance of trans people? what do you guys think.

    If you get a cheaper quote declaring as female, you can take the insurer to the cleaners as its been illegal for quite some time. I presume you didn't even think to check?


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    #4
    mrottopup
    Registered Users Posts: 14 ✭mrottopup


    Didn't check as it's just a thought I had. wanted to get other peoples thoughts on it


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    #5
    99problems
    Registered Users Posts: 197 ✭✭99problems


    Admitting to fraud on the internet wow.


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    #6
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    This is a prime example why insurance is very expensive for young drivers.

    People constantly coming up with ways to try and screw the system over and defraud insurance companies.


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    #7
    mrottopup
    Registered Users Posts: 14 ✭mrottopup


    It's not fraud if there are people out there that actually think they are a different gender and it's socially acceptable and there are actual laws being made around discrimination against trans people. Also I don't care who you are you can not defend 6000 euro insurance on a 600 euro golf.


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    #8
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    mrottopup wrote: »
    It's not fraud if there are people out there that actually think they are a different gender and it's socially acceptable and there are actual laws being made around discrimination against trans people. Also I don't care who you are you can not defend 6000 euro insurance on a 600 euro golf.

    Eh, just because other people are transgender doesn't make you lying about it not fraud. It would be completely useless, but it's still fraud to deliberately lie


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    #9
    chillywilly
    Registered Users Posts: 2,793 ✭✭✭chillywilly


    It's not your shi**y golf that matters, it's the person you knock down or the expensive car you crash in to that will determine the cost.


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    #10
    Sleeper12
    Registered Users Posts: 17,087 ✭✭✭✭Sleeper12


    Some of the ladies starting to drive can be as boy racer now as the guys. The girls are no longer automatically more mature when driving cars.


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    #11
    mrottopup
    Registered Users Posts: 14 ✭mrottopup


    Yeah because I'm going to go around crashing into every BMW I see. I can't believe you're actually defending the insurance companies


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    #12
    dev100
    Registered Users Posts: 1,002 ✭✭✭dev100


    Rod Munch wrote:
    This is a prime example why insurance is very expensive for young drivers.People constantly coming up with ways to try and screw the system over and defraud insurance companies.

    Insurance is dear for everyone and biggest reason it's expensive is insurance companies lost and losing their shirt on bad investments and yes silly payouts for claims is another factor it's a captive market unfortunately ....They'll find any excuse to rise premiums these days so you cant blame anyone for looking to decrease their premiums . The sooner the better the market gets opened up so we can source insurance quotes across Europe.


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    #13
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #14
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,720 Mod ✭✭✭✭Henry Ford III


    mrottopup wrote: »
    It's not fraud if there are people out there that actually think they are a different gender and it's socially acceptable and there are actual laws being made around discrimination against trans people. Also I don't care who you are you can not defend 6000 euro insurance on a 600 euro golf.

    It's black and white really.

    http://www.teni.ie/page.aspx?contentid=1417

    A quick Google revealed that anyone can apply for a Gender recognition cert.

    In relation to motor insurance it's the same rates that'll apply for males and females so it'd be silly to go down that route with a view to a cheaper premium.

    p.s. Premiums relate to the risk, and not just the value of the vehicle.


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    #15
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    Have you tried adding a parent to lower the quote? Boxymo type policies are normally a good bit cheaper too. It would get you started on a ncb


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    #16
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #17
    99problems
    Registered Users Posts: 197 ✭✭99problems


    mrottopup wrote:
    It's not fraud if there are people out there that actually think they are a different gender and it's socially acceptable and there are actual laws being made around discrimination against trans people. Also I don't care who you are you can not defend 6000 euro insurance on a 600 euro golf.


    6000 euro ? I have a provisional and mine is 600 and I'm a man.


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    #18
    mrottopup
    Registered Users Posts: 14 ✭mrottopup


    What age are you?


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    #19
    99problems
    Registered Users Posts: 197 ✭✭99problems


    mrottopup wrote:
    What age are you?


    26


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    #20
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,720 Mod ✭✭✭✭Henry Ford III


    dev100 wrote: »
    Insurance is dear for everyone and biggest reason it's expensive is insurance companies lost and losing their shirt on bad investments and yes silly payouts for claims is another factor it's a captive market unfortunately ....They'll find any excuse to rise premiums these days so you cant blame anyone for looking to decrease their premiums . The sooner the better the market gets opened up so we can source insurance quotes across Europe.

    Lower investment returns are a minor part of higher premiums. So are the notion of "bumper" profits. If there was a fortune to be made we'd have greater competition driving prices down eventually.

    Claims in both frequency and cost are the big issue. The awards and legal system are completely out of control.


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    #21
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    dev100 wrote: »
    Insurance is dear for everyone and biggest reason it's expensive is insurance companies lost and losing their shirt on bad investments and yes silly payouts for claims is another factor it's a captive market unfortunately ....They'll find any excuse to rise premiums these days so you cant blame anyone for looking to decrease their premiums . The sooner the better the market gets opened up so we can source insurance quotes across Europe.

    The insurance market is open and any European insurance company with an EU head office can transact insurance in Ireland.

    There is a reason they do not.

    Because the insurance sector is a basket case and investments have zero to do with that.


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    #22
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Patww79 wrote: »
    The reason it's expensive is because the government have given insurance companies free reign to do whatever the **** they like without regulation.

    You are completely, unequivocally wrong.


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    #23
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #24
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Patww79 wrote: »
    The day they all got together, conspired, and basically banned 10 year old cars regardless of a state roadworthiness test nailed on the fact that I'm completely unequivocally right.

    Fraid not.


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    #25
    cml387
    Registered Users Posts: 8,444 ✭✭✭cml387


    Maybe, and I'm speculating here, that all the insurance companies compiled their own data and came to the same conclusion, that there was a higher risk insuring 10 year old cars.


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    #26
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #27
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


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    #28
    the_pen_turner
    Registered Users Posts: 7,515 ✭✭✭the_pen_turner


    cml387 wrote: »
    Maybe, and I'm speculating here, that all the insurance companies compiled their own data and came to the same conclusion, that there was a higher risk insuring 10 year old cars.
    the balance of probability should have some data showing different results


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    #29
    Allinall
    Registered Users Posts: 6,732 ✭✭✭Allinall


    Patww79 wrote: »
    The day they all got together, conspired, and basically banned 10 year old cars regardless of a state roadworthiness test nailed on the fact that I'm completely unequivocally right.

    What day was that, and where was the meeting?

    Or are you just talking ****e?


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    #30
    99problems
    Registered Users Posts: 197 ✭✭99problems


    Rod Munch wrote:
    Fraid not.

    Patww79 wrote:
    This post has been deleted.


    The nct is a joke anyway , your car isn't road worthy , enjoy your drive home


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    #31
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


This discussion has been closed.
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