1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

can your car insurance company prove you're not gay ?

Discussion in 'The Lounge - Off Topic' started by grim, Sep 16, 2007.

  1. grim

    grim Gigabyte Poster

    1,345
    12
    89
    i know this is a strange one but my flat mate is getting a new car and the insurance for him will cost £480 but if he adds me as a friend it'll be £860. now this is where it gets strange if i'm put on his policy as partner the whole policy will only cost £415 :)

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  2. JonnyMX

    JonnyMX Petabyte Poster

    5,239
    211
    236
    Who's that with?

    gAA? :biggrin

    My insurance company gives you a discount for being gay.
    Apparently you are Lighter On Your Feet (clutch control) and
    Good With Colours (spot those traffic signals early).

    The downside is that a rear-ender if one does occur, can be messier.




    Have I gone too far with that? :ohmy
     
    Certifications: MCT, MCTS, i-Net+, CIW CI, Prince2, MSP, MCSD
  3. wizard

    wizard Petabyte Poster

    5,763
    35
    174
    What is your and your friend's age?
     
    Certifications: SIA DS Licence
    WIP: A+ 2009
  4. grim

    grim Gigabyte Poster

    1,345
    12
    89
    24 and 25, why does that matter ?

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  5. JonnyMX

    JonnyMX Petabyte Poster

    5,239
    211
    236
    Some people only like young gays...
     
    Certifications: MCT, MCTS, i-Net+, CIW CI, Prince2, MSP, MCSD
  6. wizard

    wizard Petabyte Poster

    5,763
    35
    174
    It can make a difference. I take it you're 24?
     
    Certifications: SIA DS Licence
    WIP: A+ 2009
  7. grim

    grim Gigabyte Poster

    1,345
    12
    89
    nope i'm 25

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  8. wizard

    wizard Petabyte Poster

    5,763
    35
    174
    Hmm strange, probably they see 2 youngish drivers on the same policy as a greater risk.
     
    Certifications: SIA DS Licence
    WIP: A+ 2009
  9. Modey

    Modey Terabyte Poster

    2,397
    99
    154
    I have no idea if they could prove it one way or another but I do know one thing. If they even catch a hint (if you have to make a claim) that you have lied in order to get a cheaper policy. Not only wouldn't you get a payout for your car, you could even be liable for paying for somone elses and their medical bills as well if you were at fault. Also you could possibly be done for fraud.

    Personally, I think you would be a fool to try something like this.
     
    Certifications: A+, N+, MCP, MCDST, MCSA 2K3, MCTS, MOS, MTA, MCT, MCITP:EDST7, MCSA W7, Citrix CCA, ITIL Foundation
    WIP: Nada
  10. grim

    grim Gigabyte Poster

    1,345
    12
    89
    adding him to my policy was only £1. he's had his license longer than me.

    surely though they cant judge your insurance policy on your sexual preference ?

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  11. dmarsh

    dmarsh Terabyte Poster

    3,785
    303
    184
    Maybe just claim to be Bi, worst ways you'll have to sleep with your mate for a few years if you have an accident ! :blink

    Seriously, it could count as insurance fraud, seems ridiculous theres a difference, I'd have thought gays were more likely to be involved in a rear ender ! Sure you can't just be a named driver and get the same discount ?

    As for insurance companies proving your not gay, can you mince about ? Can you colour co-ordinate ? Are you treated like one of the girls ? :biggrin
     
    Certifications: CITP, BSc, HND, SCJP, SCJD, SCWCD, SCBCD, SCEA, N+, Sec+, Proj+, Server+, Linux+, MCTS, MCPD, MCSA, MCITP, CCDH
  12. grim

    grim Gigabyte Poster

    1,345
    12
    89
    no we've tried, its just daft its half the price. they can't prove whether im gay, straight or bi and i'm sure they can''t make me prove it either.

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  13. JonnyMX

    JonnyMX Petabyte Poster

    5,239
    211
    236
    I think it is a shared responsibility thing, rather than anything sexual.

    In all seriousness, any company would rather have two customers than one - but there has to be something to link them so if one b*ggers off, they can chase the other.

    Chill, it's the way of the world.

    They don't care if you are married, gay, shagging or alien.
    They just need to know there are two people they can get money out of rather than one...

    A few years ago you probably had to be M/F, but with today's PC climate, they can't afford to discriminate.
     
    Certifications: MCT, MCTS, i-Net+, CIW CI, Prince2, MSP, MCSD
  14. dmarsh

    dmarsh Terabyte Poster

    3,785
    303
    184
    Is it because the policies with 'Sheilas wheels' ? :biggrin

    Just buy a pink car and have don with it, prob why they get cheaper insurance, better visibility !
     
    Certifications: CITP, BSc, HND, SCJP, SCJD, SCWCD, SCBCD, SCEA, N+, Sec+, Proj+, Server+, Linux+, MCTS, MCPD, MCSA, MCITP, CCDH
  15. Arroryn
    Honorary Member

    Arroryn we're all dooooooomed

    4,009
    186
    209
    Why don't you get your own car?


    Insurance is odd. They don't calculate things the way *normal* people calculate.

    They keep a whole bunch of apes in a basement, playing with calculators. When you ask them for a quote, they just get a monkey to throw them a number. Then they add you, so they ask for another number. There's no actual logic to it.

    But in reality, I don't understand how it works. I always thought experience, no claims discount, and being under or over 25 made how your insurance panned out.

    However, when my other half went to insure his latest car, he was in for an ego-hitting surprise (as he's of the male-drivers-are-the-best category.)

    He's over 25. I'm not. He's been driving since he was 18. I've been driving for 2 years, and only have 1 years no claim. He has 3 years no claim.

    It was actually cheaper for him to put me on his policy (as his partner, obviously :rolleyes: ) than for him to have the policy on his own.

    The fringe benefits of having annoying passenger seat drivers 8)

    But in all seriousness, Grim - no, they wouldn't ask you to *prove* that you're in a homosexual relationship - for a start, why on earth would they? But I'd question the sensibility of it. After all, it is, technically, fraud.
     
    Certifications: A+, N+, MCDST, 70-410, 70-411
    WIP: Modern Languages BA
  16. greenbrucelee
    Highly Decorated Member Award

    greenbrucelee Zettabyte Poster

    14,283
    254
    329
    If you're under the age of 25 and male you are considered and increased risk on the road that is why you get higher insurance. This should be changed as its the old people who actually cause the problems.

    Insurance changes when you get to 30 too.
     
    Certifications: A+, N+, MCDST, Security+, 70-270
    WIP: 70-620 or 70-680?
  17. greenbrucelee
    Highly Decorated Member Award

    greenbrucelee Zettabyte Poster

    14,283
    254
    329
    The gay thing is because they have to be fair cos you cant join sheilas wheels even though you like to be called sheila :D

    Dont really understand it to be honest, being gay doesnt mean your a safer or dangerous driver :eek:
     
    Certifications: A+, N+, MCDST, Security+, 70-270
    WIP: 70-620 or 70-680?
  18. wizard

    wizard Petabyte Poster

    5,763
    35
    174
    Not as far as I'm aware the next change is at 40.
     
    Certifications: SIA DS Licence
    WIP: A+ 2009
  19. grim

    grim Gigabyte Poster

    1,345
    12
    89
    you're making me sound like a cheap skate, i do have my own car, i drive a 307 (a nice grandad car which sits below the police radar and low insurance lol)

    he's getting a new car and i'm gonna be selling mine and probably getting a new one in a few months. he works next to the train station and i get the train into london every monring so we only need one car.

    grim
     
    Certifications: Bsc, 70-270, 70-290, 70-291, 70-293, 70-294, 70-298, 70-299, 70-620, 70-649, 70-680
    WIP: 70-646, 70-640
  20. Modey

    Modey Terabyte Poster

    2,397
    99
    154
    Insurance companies work on statistics and there is no getting away from the fact that younger drivers - 17-25 are involved in a very high proportion of accidents compared to older drivers.

     
    Certifications: A+, N+, MCP, MCDST, MCSA 2K3, MCTS, MOS, MTA, MCT, MCITP:EDST7, MCSA W7, Citrix CCA, ITIL Foundation
    WIP: Nada

Share This Page

Loading...