Diamond Insurance for birds only.

[Bewlay Bros]

This company excludes men from its policy. Therefore approximately 50 percent of the market.

If Direct Line, for example, advertised that we do not insure Asian drivers, for example, they would probably be arrested. Even though this is about 3 percent of the market.

Has anybody else ever thought this strange?

And how do they get away with it?

[4GS]

If I remember correctly, the European Court tried to get the adverts banned for the same reason you stated minter, however I think the case for banning was not upheld for reasons that escape me just now

[mccfluff]

i thought as 'a bird' you could insure your partner (male) on your policy, and i KNOW thats not your point but felt like saying it anyway

[Bewlay Bros]

I suppose SAGA do the same thing with age.

But I can understand that it is an company set up for the elderly. But same pribciples however of "ism"

[4GS]

I remember now, it's because sex discrimination and age discrimination laws only apply to employment, not the delivery of services - so a service can target one particular sex or age group quite legally.

Just think, if age discrimination applied to services, they would have to allow 40 year olds into playgroups...

[bednobs]

diamond do not exclude men from their policies. My husband is insured through them (as i have answered on the numerous other occaisions this question has been asked)

[Bewlay Bros]

Well Diamond are excluded from compare sites if you are a man.

Also their own site says, and I quote "Call Diamond today for a female car insurance quote"

How preytell, did your husband come to be a customer.

And I apologise for not reading every article ever posted on AB.

[bednobs]

he became a customer in the normal way!
They also insure men, but advertise themselves as giving good deals for women. They do this in the same way that some insurers give better deals to people who have not had a crash, or claim, simply because they are a better prospect. because women are better drivers and tend to have less crashes, this company gives better deals to women.

[squarebear]

I quite agree. It's like the Sheila's Wheels advert for women only. Imagine the uproar if there was a company called "Honky's Wheels" for whites only.

I really don't understand how they can get away with something like this.

[bednobs]

again, for the same reason that, for example saga can insure over 50's or that that one i cant remember will give you a good deal to insure you if you have 3 years no claims. they give good deals to those that are in a better risk category

[redcrx]

dont worry Bewlay, the premiums have always been extortionate when ive asked for a quote (Im a 'bird' with no points, claims and full protected bonus). So i doubt the men are really missing out on much :)

[Whickerman]

This is a first...

Wardy - seems you are of the same opinion as the European courts, but the British govt intervened to keep the status quo:
http://www.guardian.co.uk/uk_news/story/0,,138 2772,00.html






(Though after buying Down Down they should've just let them go as every other song sounds the same...)

[Buenchico]

'Diamond Car Insurance' is only a marketing ploy anyway. It's actually Admiral Insurance (who insure both male and female drivers) just targeting women drivers.

Similarly, Sheila's Wheels is really eSure and Female Direct is really Norwich Union.

There's probably not a single company that genuinely only insures women drivers but most of the major firms re-brand their policies to make it seem as if they specialise in insuring women.

Chris

[cazzz1975]

lol buenchico, I thought I was the only person who noticed that!

[flip_flop]

If I remember correctly, because women cost insurance companies less in claims, insurers are allowed to provide additional discounts to women/target women because the actuarial statistics suggest they are a better risk (incidentally, the ladies have more accidents than men, but men have the more serious/expensive accidents due to speed and/or aggression).

So in this respect I don't have a problem with it.

Take permanent health insurance - it is cheaper for men than women because the claims and actuarial statistics show that women are more likely to claim and are more likely to have time off from work sick (this one was tested in court a few years ago and the person bringing the discrimination case lost for the reasons shown above).