Car Insurance - Identifying as Non-Binary for Lower Premium

seanneko on 18/09/2023 - 13:45
Last edited 18/09/2023 - 18:58

I'm currently looking at car insurance and I see that some providers (e.g. Allianz and NRMA) allow people to identify as non-binary gender which gives a lower premium than identifying as male. In the case of NRMA it gives about a 10% discount.

My understanding of how this whole gender thing works is that anybody can identify as non-binary and not have to justify anything. You just have to say that you are and that's that. So why would anyone identify as male and voluntarily pay an extra 10%?

Does anyone have experience with what happens if a non-binary driver is involved in an insurance claim? Do they actually try to challenge it if they don't think you're non-binary enough to meet their standards?

Edit: Screenshot proof because some trolls are claiming that I'm lying: https://imgur.com/a/kTD251s

Automotive Car Insurance Insurance

Comments

  • fatsephy on 18/09/2023 - 13:47
    +9

    Why would they get a discount though…. female drivers premiums are higher… at least with my insurer. Very weird.

    • Bargainitis on 18/09/2023 - 13:49
      +41

      HOW DARE YOU DISADVANTAGE FEMALES!!!!!!!!!

    • kerfuffle on 18/09/2023 - 14:00
      +2

      Which insurer was that and for which age bracket?

      • jv on 18/09/2023 - 14:15

        which age bracket?

        95+

        • [Deactivated] on 22/09/2023 - 03:55
          • what?
    • ModBot on 18/09/2023 - 21:01
      +14

      That's a wrong assumption. According to most insurers, female drivers are much safer than men. How do I know ? I added my partner as an additional driver and my premium went down.

      • pwnd on 19/09/2023 - 07:40
        +3

        So adding liabilities (additional drivers) results in lower premiums? Right….

        • dp1 on 19/09/2023 - 09:13
          +6

          Yes if the 2nd driver is considered lower risk than you. I lowered my husband's premium by $50, until I I had a not-at-fault accident (my car not his) after which I raised it by $30 for 3 years. It's nonsense because I drive 10x the kms he does, I have 8 lifetime (all speeding) demerits vs his 3 (one incident, stuck at a red light for 20min and unsolvable without going through it), but this is how the actuarial risk algorithm works.

          • Tleyx on 20/09/2023 - 08:42

            @dp1: Isnt it possible that adding the second driver was the lower risk than adding a female. Unless you added a second driver as a male you dont know

        • Amanda3724 on 19/09/2023 - 10:17

          I'm insured with RAC. I added one female friend to my policy and my premium went down by around $50. I added two female friends and it decreased by around $100. Any more friends raised the premium. It's been that way for my last 2 renewals, (I hadn't tried it before that).

          • Heiks9000 on 19/09/2023 - 10:25
            +3

            @Amanda3724: I need to try that hahaha
            I am so annoyed with RAC. Most of the time it is better to get a brand new quote each year compared to just accepting the renewal.

        • caitsith01 on 19/09/2023 - 13:11

          So on average the car is driven by a safer driver. Not rocket science.

        • md333 on 19/09/2023 - 13:40
          +5

          I added my elderly father in law as a driver when he was visiting from overseas and it reduced my premium. Doesn't really make sense. Probably everyone should try adding parents or grandparents to their policies.

        • momptdeals on 19/09/2023 - 16:04
          +2

          Same thing happened to me.

          I've been on my full license for 15+ years, not a single claim/infringement/demerit point in my life. I recently added my partner who got her Ps (before anyone says anything - she's the same age as me) and my premium went down. Go figure, apparently a 15+ year experienced driver has a higher risk profile than a brand new female P plater.

          • Vanceer on 21/09/2023 - 13:45

            @momptdeals: Same here. No infringement, no accident ever, premiums only ever go up. Even with the allegedly better Youi, which is somehow every year one of the most expensive.

      • [Deactivated] on 22/09/2023 - 03:57

        That's probably just because they figured you were at home on Friday & Saturday nights now, not drink driving home from the club.

    • jrvb42 on 19/09/2023 - 08:20
      +7

      Might just be your insurer. My experience is that my wife (even with multiple claims - not her fault - the trolley bay jumped out in front of her) got a lower premium than I do for the same vehicle.

    • eek on 19/09/2023 - 09:27
      +2

      Really? I tested mine out by adding my wife as primary driver, as secondary driver or having me off the policy completely. All worked out cheaper when she was on the policy. Considering we are both rating 1, similar age and have had zero at fault accidents in the last 10+ years, very strange.

    • Franc-T on 19/09/2023 - 11:04
      +1

      First I have ever heard of that, arent males much more likely to get in accidents

    • Senatekill on 20/09/2023 - 17:22
      +3

      sponsored by the communists, all part of the global diversity index. The same corporations pushing the voice and making employees do compulsory LGBT training.

  • deme on 18/09/2023 - 13:48
    +49

    🍿

    • ksum006 on 21/09/2023 - 21:47
      +2

      🍿🍿 🍻

  • Kramo on 18/09/2023 - 13:50
    +3

    I imagine they would ask for evidence of you identifying as non-binary in other (non-'crashing your car into people') contexts. That'll be a fun claim denial.

    • bargaino on 18/09/2023 - 14:08
      +134

      You kidding? A corporation would not touch that can-o-worms with a barge pole.
      You can be whatever gender you want, and they will not dare question it.

      But don't try to identify your car as a different model to the one assigned at the factory.

      • salmon123 on 18/09/2023 - 14:24
        +12

        don't try to identify your car as a different model to the one assigned at the factory

        Aww - my sh*tbox corolla thinks it's a ferrari when cruising for ladies.

        And the artwork in my house are real Picasso's

        • [Deactivated] on 21/09/2023 - 13:39

          Most Toyota owners think they’ve got a Bugatti these days

      • jv on 18/09/2023 - 14:46
        +79

        You can be whatever gender you want

        No you can't. Not possible.

        You can pretend to be a different gender though…

          • jv on 18/09/2023 - 15:02
            +11

            @bargaino:

            gender [ jen-der ] noun:
            Either the male or female division of a species.

            • bargaino on 18/09/2023 - 15:18
              -5

              @jv: Historically, that is "sex". I was talking about where the word "gender" originated. From there, it became a euphemism for sex, then a synonym, then politicised.

            • Loot N Plunder on 18/09/2023 - 15:24
              -5

              @jv: There is a third gender

              A hermaphrodite

            • blorx on 18/09/2023 - 15:24
              +10

              @jv: Source: trust me bro - it's formatted.

              • jv on 18/09/2023 - 15:26
                +1

                @blorx:

                Source:

                dictionary.com

            • joele on 20/09/2023 - 17:58
              +2

              @jv: The question is how do you define even biological sex (let alone gender)

              Their reproductive organs? Their Chromosomes, Their Hormones?

              The problem is there are variations, some relatively common in all of those.. Klinefelder syndrome, i.e. XXY chromosomes occurs in 1 in 500 to 1 in 1000 "males" though they have varying levels of "female" features. Swyer syndrome occurs in 1 in 100,000 "females" but these "females" have XY chromosomes, look female and often have most female reproductive organs and can even get pregnant (most often with assisted reproductive technology though).

              The scientific/biology community flowing on to university biology text books have separated Gender and Sex for 3-4 decades and also said both are actually not binary, but what would they know? does the English dictionary determine the variation of life better than the scientific field of biology?

              • trapper on 21/09/2023 - 11:37
                +1

                @joele: Biological sex in unambiguous in all normally developed humans. - Which includes essentially everyone 'identifying' as another gender.

                It is also unambiguous in almost all people with 'intersex' conditions.

                These are men and woman with developmental disorders, and it's quite gross and insulting actually to characterise them as some kind of third gender.

          • cashless on 19/09/2023 - 07:11
            +4

            @bargaino: Reading bargaino’s comment as a series of statements it is amazing that everything he/she (or they) says is wrong.
            Worst fact-checked statement of 2023

            • bargaino on 19/09/2023 - 09:47
              +5

              @cashless: Yes your "fact checking" is awful, in that it is non-existent. Go on, make your rebuttal, if you can summon the guts. I'll get you started, I said "word" instead of "noun".
              It is astounding how many people over the age of ten think "no it isn't" is a valid response!

            • SlickMick on 19/09/2023 - 11:22
              +1

              @cashless: I gotta admit I checked, and learned something, @bargaino is quite factual. I didn't agree once they started straying from the facts though.

        • Euphemistic on 18/09/2023 - 14:56

          There’s several parts to gender identity.

          The bits in your pants
          The type of pants you want to wear
          The type of pants you find attractive
          The bits in the pants you find attractive
          The bits in the pants you want to mate with.

          Pants refers to skirts as well.

          None of these need to match the norms. I don’t care what combination you choose as long as you respect my choices as well.

          • Loopholio on 18/09/2023 - 20:44
            +8

            @Euphemistic: Oh wow, you left out people who don't like or want pants and have no or limited interest in others bits.

          • SlickMick on 19/09/2023 - 11:28
            +1

            @Euphemistic: The problem is, genus and genre and gender etc are classifications. Everything fits in one category. Lucky we got a good start on taxonomy before these fluidity ideas were invented. Do you feel like a donkey or a zebra or a horse today?

            • Euphemistic on 19/09/2023 - 13:53
              +1

              @SlickMick: It’s all well and good to have a scientific descriptor for gender etc. what we are currently struggling with is allowing people to be their true selves and for some reason have to label them, and we often need to label ourselves. The scientific terms were identified a long time ago in a strongly patriarchal society.

              Just because people are trying to understand their own gender identity and sexuality they’ll use whatever language is appropriate to do so, even if it doesn’t fit the scientific category.

              LGBTQIA+ (or whatever the latest variant is) also somewhat irks me because it want to further categorise people. It’s not necessary IMO to narrow it down. Lesbian and Gay seem to identify the same trait - homosexual. If we are more accepting of gender variance it wouldn’t be necessary to label anyone.

              If Dave likes Steve it doesn’t matter as long as they are happy. If Mary used to be Mark still likes blokes, or still likes sheilas it doesn’t affect me either and shouldn’t affect anyone else. I don’t need to know that someone is hetero either and it also doesn’t matter.

              There’s plenty of gender/sexuality fluidity in the animal kingdom as well, it’s just been ignored or written off as unscientific for too long.

              • SlickMick on 19/09/2023 - 14:44

                @Euphemistic: It was well and good. Not so much anymore. But you can believe what you like. Anything goes now.

          • filmer on 21/09/2023 - 10:44

            @Euphemistic: What you like to wear and who find attractive have nothing to do with your gender, at least it never used to.

            • Euphemistic on 21/09/2023 - 11:46

              @filmer: No. I probably should have said ‘gender identity’. Yes, it doesn’t meet the technical terminology, but gender identity has become a main term used around those things.

              • filmer on 21/09/2023 - 12:42
                +2

                @Euphemistic: It wasn't too long ago that men wore what are now skirts and heels. Some cultures used to be very promiscuous with both genders, it never defined their gender either. It's almost like these things are irrelevant.

        • Champ888 on 19/09/2023 - 07:22
          +5

          I’m here to say I agree with jv for the first time ever.

      • Butterfly Gocha on 20/09/2023 - 01:19
        +1

        What if i identify my car as a 4 year old European car with a glove box that won't latch?

    • Franc-T on 19/09/2023 - 07:39
      +7

      I would imagine they dont give a shit unless you make a claim, then ask for proof and disavow your cover when they are exposed.

      • mountaineer on 19/09/2023 - 09:16

        but worst is they disagree with your non -binary gender claim but still have to settle the insurance claim as either a male or female, so the reward for the risk is still there.

        • Franc-T on 19/09/2023 - 11:45
          +3

          Yeah, idk about anyone else but I wouldnt give an insurance company any leverage at all to deny a claim Insurance should never be about just premiums its about what happens when things go bad, how difficult are they to pay out etc. I think what is proposed might count as fraud, as well.

          • mountaineer on 19/09/2023 - 19:51

            @Franc-T: do they (insurance companies) have 1) a definition of how someone can claim to be gender binary, what is the process, is self confirmation sufficient or has to be publicly acknowledged, by whom? "x" on the passport?? 2) how far they really want to go. Insurance company does this offer out of PR benefits so it will test their resolve to dispute a claim based on this very point, leading to PR damage.

          • cloudy on 22/09/2023 - 04:49

            @Franc-T: If you’re so worried about getting what you paid for maybe don’t buy it

      • AlanJ on 19/09/2023 - 12:21

        Exactly that, Franc-T. You can tell insurance companies anything you like when you take out the policy, and they love it…. the more porkies the better. They will never bother to check; why should they? You're giving them money. And when you make a claim for some of THEIR money, the first thing they do is check every item on your policy to see if you have given them an "out". We are talking just ten percent here, and I don't know how they'd be able to prove or disprove your particular porkie, anyway; but if there's a way, they will find it, and you may well then find that you have given them a reason not to pay you a thing because you didn't give them the info they needed to accept or decline your policy.

        • imurgod on 19/09/2023 - 16:52
          +1

          The reality is that you have a Legal Duty of Disclosure in your insurance contract so if you lie, you failed that duty, are in breach of the contract and they can reduce or deny a claim.

          Hence the reason they don't need to check.

    • morebunnings on 21/09/2023 - 09:55
      -1

      How could they ask you to prove 'Gender diverse / non binary' though?

      As a male, you could argue that you have shaved hair, like Britney Spiers (or any other female celeb), therefore you have female and male features and are 'Non Binary'.

  • MrHyde on 18/09/2023 - 13:53
    +6

    Reminds me of this - https://www.theage.com.au/national/victoria/seven-police-int…

  • ThithLord on 18/09/2023 - 13:58
    +2

    lol!

    Does your drivers license specify? Maybe if you jump through some small hoops, you can get this across the line?

    Are you asking as an exercise to get a heap of responses to your post are are you going to follow through with this attempt?

    • seanneko on 18/09/2023 - 14:06
      +14

      I legitimately would do it, but only if I was confident they wouldn't deny the claim. I've searched through their PDS and can't see any references to gender or what they define non-binary as being.

      If I say I'm non-binary then who are they to say that I'm not? Maybe I like to wear women's underwear one day out of every year.

      • ThithLord on 18/09/2023 - 14:25
        +2

        Good luck

      • capslock janitor on 18/09/2023 - 14:45

        So what are the titles for Non-binary?

      • deme on 18/09/2023 - 15:14
        +1

        define non-binary

        They don't need to define every single word. They don't define male or female in the PDS.

      • Jolakot on 18/09/2023 - 22:16
        +4

        They could ask for proof, either birth certificate or passport with non-binary as your legal gender: https://www.passports.gov.au/getting-passport-how-it-works/d…

        I doubt they would as that's a PR nightmare, but you are 'technically' committing fraud by lying to them.

      • Munki Kundi on 19/09/2023 - 01:03

        i like the way you casually mentioned about wearing women's underwear. that's actually a brilliant idea!

        • ThithLord on 19/09/2023 - 08:35
          +4

          Yep, it is. Have been doing it for years

      • Franc-T on 19/09/2023 - 11:45
        +1

        You only identify as non-binary to car insurance but nothing else……yeah thats supportable

      • Arealtur Kishman 69 on 19/09/2023 - 13:07
        +2

        All this hullabaloo just so you can wear ladies undies smh. Just wear what you want mate, no one gives a sh!t.

      • Cusack on 21/09/2023 - 10:51
        -1

        They can’t prove your gender coz you can change it anytime you want depending on your mood or the weather

  • FoxJump on 18/09/2023 - 14:05

    Also, if you street park, you may be able to save money by saying you park in front of your neighbours house.

    [not quite sure you they price-in-street-parking when you cant always get a spot in front of your house]

    • spaceflight on 21/09/2023 - 17:32

      [not quite sure you they price-in-street-parking when you cant always get a spot in front of your house]

      What?

      • FoxJump on 21/09/2023 - 18:56

        sorry

        [not quite sure how they price-in-street-parking when you cant always get a spot in front of your house]

        • spaceflight on 21/09/2023 - 19:09

          It doesn't matter if you are parking in front of your own house because the risk profile of your the suburb (maybe street) where you are parking your car is what they use.

          • FoxJump on 21/09/2023 - 19:42

            @spaceflight: false nrma would charge me differently if i was streetparking my car and the street address was number 22 instead of 26

  • Iwantthebestprice on 18/09/2023 - 14:07
    +9

    I noticed this too, and had a look around to save about 15% off my insurance. Changing your gender with VicRoads is as simple as calling them saying you identify as Non Binary, and that’s it. Once the license shows as Non-Binary I highly doubt the insurance company will question this any further..

    Even if your insurance company ask, what are they going to say, prove you are non-binary, oh please

    • Jolakot on 18/09/2023 - 22:21
      +2

      Once the license shows as Non-Binary I highly doubt the insurance company will question this any further

      Your license (at least in VIC) doesn't show gender? You'd need to get this done with the BDM registry for it to be recognized officially

      • DrSwag on 19/09/2023 - 13:28

        Can I update the Birth Death Marriages (BDM) register if I am a non-citizen? Am living here perm.

        • nigel deborah on 19/09/2023 - 14:52
          +1

          You won't have an entry to update unless you were born, married, or died in that state.

        • Jolakot on 19/09/2023 - 17:29
          +3

          Depends on your state, in VIC you can request a recognised details certificate, which is functionally equivalent to a birth certificate in most regards.

          It's one of the few documents that Centrelink will accept for amending gender in their system.

          You can also get a similar document from the Australian government for international travel, with correct gender/name so that it won't cause issues entering Australia if your home country doesn't allow you to amend it yourself.

      • morebunnings on 21/09/2023 - 09:58
        +1

        QLD removed gender from licenses in 2016. Not sure about VIC.

        Also the insurance form says "Gender diverse / non-binary" . Gender diverse opens them up to all sorts of things.

  • Jimothy Wongingtons on 18/09/2023 - 14:13
    +1

    wowwwwwwwwwwwwwwwwwwwww

  • jv on 18/09/2023 - 14:14
    +10

    You can also identify as a Panda for an even lower premium.

    There have been zero accidents with Pandas driving in Australia this century !!!!!!!!!

    • 87percent on 18/09/2023 - 14:21
      +1

      Thats because there’s only 2 pandas in Australia.. now in China that’s a different story

      • jv on 18/09/2023 - 14:28
        +4

        Still, 0 accidents…

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