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

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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

 

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Who's that with?

gAA?

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?

 

What is your and your friend's age?

 

24 and 25, why does that matter ?

grim

 

Some people only like young gays...

 

It can make a difference. I take it you're 24?

 

nope i'm 25

grim

 

Hmm strange, probably they see 2 youngish drivers on the same policy as a greater risk.

 

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.

 

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

 

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 !

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 ?

 

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

 

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.

 

Is it because the policies with 'Sheilas wheels' ?

Just buy a pink car and have don with it, prob why they get cheaper insurance, better visibility !

 

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.

 

The gay thing is because they have to be fair cos you cant join sheilas wheels even though you like to be called sheila

Dont really understand it to be honest, being gay doesnt mean your a safer or dangerous driver

 

Not as far as I'm aware the next change is at 40.

 

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

 

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.