We get so used to splitting humanity into the categories of men and women for so many different reasons that it’s easy to overlook the fact that human behaviour is not dimorphic; there is huge diversity within genders. And so treating all men the same way just because they are men is bound to discriminate against some. Take young people and driving, for example. Insurance premiums are incredibly high for a young person who has just passed their test, and young men are typically paying twice as much as young women – up to £3,000 a year. There are good reasons behind that – overall young men have more accidents and make bigger claims. But that doesn’t mean that all young men are worse drivers than all young women. Good, careful male drivers are penalised because of the reckless behaviour of some of their peers – is that fair?
Swinton Insurance now offer policies with a difference. If a new driver hasn’t claimed after six months, they can renew for a further six months at a discount of 30%, and get up to 45% off if they don’t claim for 18 months. It gives new drivers a chance to show what kind of a driver they are, instead of being lumped together with everyone of the same gender. More details here.
Photo: John Linwood