The European Union's Gender Directive is officially in effect. Last year, the EU Court of Justice ruled that "differences in insurance pricing based purely on a person's sex are discriminatory." That means that insurance companies can't factor gender into their premium tables, so as of December 21, 2012 the rates that EU residents pay for different types of insurance products will change – the expected trend for car insurance is that women's rates will go up while men's rates go down.

The courtroom argument is that the varying rates for men and women are arbitrary. The insurer's argument for the varying rates is, for instance, that young men are many times more likely to get into car accidents, and more serious accidents, than women. Or take life insurance, another product affected by the directive since men don't generally live as long as women. In that case, premiums should rise for women but drop for men. On the other hand, premiums for income protection insurance or pension annuities should increase for men but decrease for women.

Predictions as to how much the average person's rates will change are all over the charts, but it's a new factor for British consumers to consider when shopping for insurance. Autoblog EU readers, take note: if you didn't get that shopping done before now, you're an automatic member of the new, non-discriminatory regime.


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  • 62 Comments
      n.bob2
      • 2 Years Ago
      I'd let her drive all over me
      Val
      • 2 Years Ago
      the expected trend for car insurance is that women's rates will go up while men's rates go down Mmm, no. women's rates will go up until they are equal to those of men. That's usually how these things tend to work out, no insurance company will decide to let go of increased revenue just to benefit their customers.
      • 2 Years Ago
      [blocked]
      ayeco
      • 2 Years Ago
      It seems EVERYONG should pay the same premium then (not including car model and year adjustments, of course). Smokers non smokers, etc. Statistics are statistics.
      Friedduck
      • 2 Years Ago
      It's not discriminatory, it's *math* Unless I have to pay more. THEN it's discriminatory.
      TrueDat
      • 2 Years Ago
      isn't factoring in other stuff, like a person's age, also discriminatory? or their personal health? one make discriminating against a persons lifestyle, age, and habits okay, but not their sex? food for thought..
      Quest
      • 2 Years Ago
      She's cute!!
      Scr
      • 2 Years Ago
      Men's rates will not likely go down. Women's rates will simply rise to match those of the Men's. BTW, if this is the case as it is here in the US, then why is my health insurance the same rate as womens? It should be many times less for men as they simply don't go to the doctors as much and don't have expensive pregnancies. Fair is fair.
        Bruce Lee
        • 2 Years Ago
        @Scr
        By risk it's a lot cheaper for younger men since they tend to avoid the doctor and don't get pregnant but as men get older the fact that they've avoided the doctor for 40 years often catches up so it all kinda evens out. It's most older and sicker folks who use most of the healthcare dollars anyway.
        SloopJohnB
        • 2 Years Ago
        @Scr
        Another reason is that men tend to die quicker. FWIW, from an economists point of view we should pay people to smoke since they die sooner and utilize fewer resources on the way out. Of course, our laws in the US are far from economist-utilitarian.
      Homer
      • 2 Years Ago
      She's good looking! What is this article about?
        • 2 Years Ago
        @Homer
        [blocked]
      gtv4rudy
      • 2 Years Ago
      ... So who's the hottie ?????
      drewpy
      • 2 Years Ago
      So everyone's rates go up...
      Get Squirly
      • 2 Years Ago
      Half of the comments are having serious discussions about the law, while the other half are about how cute the girl in the photo is. Ohhhh Autoblog.... and yes, she is quite stunning.
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