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

  • Ozbar Gain on 18/09/2023 - 14:23
    +12

    Why don't you just identify as an insured driver?

    • furyou on 18/09/2023 - 22:43
      +1

      I identify as a VIP discount driver.

  • jv on 18/09/2023 - 14:29
    +3

    Identifying as Non-Binary for Lower Premium

    What are the premiums like if you identify as Hexadecimal ?

    • Ozbar Gain on 18/09/2023 - 14:41

      They/them would save lot of monies

      • Jaspa7 on 19/09/2023 - 07:25

        the correct pronoun is Hexself, you bigot

    • Technics on 20/09/2023 - 21:06

      Most based comment on here. They're usually base 10.

  • THL on 18/09/2023 - 14:52
    +10

    Genuinely surprised that they didn't just have the same premium as either male or female - whichever is higher, given non-binary is such a small group at the moment and there are probably not enough samples to properly calculate the appropriate risk and premium.

    This is definitely a grey area and would be rectified soon as it would be a loophole people take advantage of.

    • gakko on 19/09/2023 - 04:58
      +2

      Haven't you been reading the comments? You are meant to be offended by the concept of non binary in the ozb boys club. But here U r with a sensible comment.

    • joelmuzz on 19/09/2023 - 13:06
      +1

      It is pure computer statistics and will self rectify to wherever the risk odds should be.

      Basically it is a category of people who select that category whether true or false, the choice to tick that box is the relevant stat.

      The stats will also factor in other things, like non-binary in Ford Ranger is different from Corolla.

      Could go up, down, stay the same. Computer statistics don't care about the politics it is just another bit of data for the algorithm to group by.

      Anyone could do it, but would have to start doing it everywhere. And it may flip to higher premiums.

      • tangerine on 23/09/2023 - 22:54

        In theory yes, but in practice there isn’t enough data for insurance to be driven by “pure computer statistics” and a lot of human judgement is used to determine final prices. I wouldn’t go so far as to call it politics but it is certainly a conscious decision for insurers to offer non-binary drivers a favourable premium.

    • tangerine on 23/09/2023 - 22:52

      If you select non-binary you will get the lower premium out of male/female, ie female. You’re right that the sample size is not large enough to calculate a specific premium for non-binary, so insurers will offer the lower price to avoid accusations of discrimination.

      Source: insider knowledge of how insurance policies get priced

  • deme on 18/09/2023 - 15:16
    +2

    In the case of NRMA it gives about a 10% discount.

    If you are "non-binary", go nuts.

    If you aren't is this worth having your claim denied?

    Same logic if it asked do you wake up before 7am?
    How would they know? Then again I cbf worrying about a claim being denied.

    • tessel on 19/09/2023 - 07:23

      I identify as non-binary. That's it. End of story. What more can they do to prove otherwise?

      • deme on 19/09/2023 - 11:00

        If you are "non-binary", go nuts.

    • madrigal on 20/09/2023 - 16:00
      +1

      If gender is a spectrum then everyone is non-binary.

  • brendanm on 18/09/2023 - 15:31
    +5

    Hot damn I'm doing this at my next renewal, 10% is 10%

    • yoshi864 on 19/09/2023 - 16:18
      +10

      Hahaha, I love this. Russia invading Ukraine, inflation soaring through the roof, climate change causing unprecedented changes to our plantet's ecology…

      But no, a third checkbox in the Gender field is the final straw that broke the West!

      I feel like people sometimes don't realise how good they have it that the biggest issue in their day is what's between someones legs.

      • nascent on 20/09/2023 - 17:46

        I'm sure they meant it in a Petersonian sense 😂

  • [Deactivated] on 18/09/2023 - 15:42

    Is this an error? There wouldn't be proper data for underwriters to assess it for premium calculation.

    • joelmuzz on 19/09/2023 - 13:15
      +1

      They have to start gathering statistics at some point. So they have started now.

      They aren't totally clueless with a starting point for their odds profile, the industry does have people with a good handle on crash stats.
      Everyone who selects the option is feeding it more stats with cross linking to their lifetime records.

  • brad1-8tsi on 18/09/2023 - 15:43
    +7

    You'd need some balls to do that.

      • Leanne59 on 18/09/2023 - 16:14
        -7

        Yeah, me too. What a (profanity).

      • seanneko on 18/09/2023 - 16:43
        +4

        Wrong. Confirmed 30 seconds ago on the NRMA website:

        Gender
        Female
        Male
        Gender diverse / Non-binary

    • altomic on 18/09/2023 - 16:33
      +3

      allianz has a non-binary field.

    • seanneko on 18/09/2023 - 16:43
      +4

      Wrong. Confirmed 30 seconds ago on the NRMA website:

      Gender
      Female
      Male
      Gender diverse / Non-binary

    • nicend on 18/09/2023 - 21:58
      +1

      It depends on what location you are in I think.

  • GordonD on 18/09/2023 - 17:13
    -5

    Surely these days referendums shouldn't be restricted to a binary Yes or No. Its so last century. It was just so inappropriate that there wasn't a non-binary way of voting in the gay marriage plebiscite. Ummm, can I vote No in the Voice referendum, but identify as voting Yes so I don't get called a racist? I mean I always tick the box asking if I'm gender diverse, or Aboriginal, because I want to show my support for them. And screw up the statistics.

    • deme on 18/09/2023 - 18:35
      +6

      Edgy

    • plmko on 18/09/2023 - 18:57
      +9

      There has always been a third way to vote instead of just yes or no. If you haven't figured it out then perhaps you stop wasting time being an edge lord.

    • Jolakot on 18/09/2023 - 22:23
      +2

      You can just draw your own box on the slip and write whatever you'd like in there, no one can stop you

  • DoctorCalculon on 18/09/2023 - 20:07
    +3

    OP, don't forget that:

    You have a legal duty under the Insurance Contracts Act to take reasonable care not to make a misrepresentation to the insurance provider.

  • SpicyStew on 18/09/2023 - 21:05
    +3

    Non-Binary = computer illiterate?

  • Zapwap on 18/09/2023 - 22:15
    -4

    Non-binary

    Life would have been so easy for all the species if humans didn't have brains

  • alexdagr8 on 18/09/2023 - 22:17
    +13

    Regardless of what you say. If there’s a reason for insurance not to pay you out, they’ll find it. So say what you want, but expect to get burned.

    • UFO on 20/09/2023 - 18:25

      100% this. Your insurer will definitely deny a claim if you claim the wrong sex on your insurance application. There are stack differences in the statistics between the sexes and their driving behaviour. But that's cool…. I WANT the insurers to deny the claims of all these 'playas' who think they'll get one up on the insurers.

      It's mean my insurance will be cheaper instead, because the insurers wont pay out on claims they otherwise would!

  • Jolakot on 18/09/2023 - 22:35
    +9

    Non-binary/indeterminate is still a legally recognized gender, would be an 'X' on your passport/birth certificate: https://www.passports.gov.au/getting-passport-how-it-works/d…

    So they could absolutely ask you to prove it, and if you can't then they could deny your claim as that's technically fraud.

    If you're going down this road, then why not just go the full-mile and tell them you're female for even lower premiums?

  • kmanccr on 18/09/2023 - 22:50

    Unlikely the insurer will pursue denying a claim based on your gender. However, it is very easy for them to do so if your gender you state does not align with what the government has. So best to officially change your gender first if you want to be 100% sure you won't get in trouble. Each state has a different process and it may require a doctors certificate if you are changing genders or proof of gender reassignment surgery.

    • jv on 18/09/2023 - 23:49
      +3

      So best to officially change your gender first if you want to be 100% sure you won't get in trouble.

      Might be easier to identify as indigenous…

  • AustriaBargain on 19/09/2023 - 00:27

    They can deny a claim if they know you lied on the application.

    • smartazz104 on 19/09/2023 - 07:46
      +2

      They can deny a claim if the wind is blowing the wrong way and it's a full moon.

  • MeesusEff on 19/09/2023 - 03:53
    +1

    Im 34 and always list my dad as the primary driver, for some reason knocks at least $100 off my premium 😂

    • Randolph Duke on 19/09/2023 - 14:50
      +1

      They’ll deny the claim if they find out he never drives it.

      • lachhelix on 20/09/2023 - 18:07
        +2

        How would they possibly be able to prove a person never drives a car?

  • Aerith-Waifu on 19/09/2023 - 03:53
    -2

    This is exactly the reason the world needs to end! It gets to the point of ridiculous now!

    • smartazz104 on 19/09/2023 - 07:46

      After you.

    • spurf on 19/09/2023 - 07:50
      +1

      No, it is the histeria from some in the 99.5% over the 0.5% trying to have a dignified existence.

  • gromit on 19/09/2023 - 07:22
    +1

    All for saving a few bucks. But risking fraud and potential claim refusal, the risk/reward does not justify it.

    • CowFrogHorse on 19/09/2023 - 10:33
      -1

      they could save even more if they dont drive.

  • smartazz104 on 19/09/2023 - 07:47
    +2

    If enough people try this, the insurance companies won't ask for someone's sex anymore. If you're human, you can have insurance.

    • Jolakot on 19/09/2023 - 07:52

      Not just human, there's pet insurance too

      • smartazz104 on 19/09/2023 - 07:52
        +1

        I should have specified I was only referring to car insurance :)

    • Whomastadon on 19/09/2023 - 13:24

      What if I'm a furry?

      • Jolakot on 19/09/2023 - 21:17
        +3

        Hopefully insurance covers neutering

    • tangerine on 23/09/2023 - 22:56

      This wouldn’t be groundbreaking. In Europe, insurers are already banned from asking for a driver’s gender.

  • tik tok on 19/09/2023 - 08:00

    Meanwhile at a smoko at the insurance companies yearly meet : "Man I didn't even know there were so many people who identified as non-binary"

  • jrvb42 on 19/09/2023 - 08:24
    +2

    Why bother identifying as non-binary? Can't you simply identify as female?

    Just make sure you don't identify as a tree - I've heard so many stories about trees jumping out in front of hapless drivers and causing accidents and vehicular damage. Damn dangerous.

  • us3rnam3tak3n on 19/09/2023 - 10:09

    What if they accept your non binary status but in the coming years decide that it's a higher risk category and adjust premiums accordingly? You might find it difficult to switch again.

    Personally I wouldn't give them any further reasons to deny claims.

    • Ridiculous Panda on 19/09/2023 - 10:29
      +4

      Changing genders is super easy now. You just choose what you feel when you wake up that morning. People can’t question it too much otherwise they’d be discriminating!

  • CowFrogHorse on 19/09/2023 - 10:17
    -2

    If you have a problem paying car insurance, then heres a simple answer - dont drive.

    • Ridiculous Panda on 19/09/2023 - 10:31
      +2

      Wow.. this is a site where we find bargains.. if the dude wants have a sex change surgery to save money on car insurance in the long run, then kudos to him for thinking outside the box!

      • CowFrogHorse on 19/09/2023 - 10:32
        +2

        You dont need to have a sex change to identify as non binary, the only qualification is that you tick some box, there are no special gov facilities to go and get a non binary checkup and license.

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

          You can't change your legal gender without a ton of supporting documentation from doctors and psychologists, what box are you talking about?

          • Roman Sandstorm on 20/09/2023 - 17:34

            @Jolakot: @Jolakot

            You can't change your legal gender without a ton of supporting documentation from doctors and psychologists,

            Depends what you mean by 'legal gender'.

            If you want to change your status on official documents like birth certificates, passports, etc, then you will require a supporting statement from a doctor or psychologist. (https://www.ag.gov.au/sites/default/files/2020-03/Australian…)

            I'm not sure a letter classifies as 'a ton of supporting documentation'.

            For non-official (ie, non state or federal govt issues) items, there are no defined guidelines.

            Anyone can identify as non-binary at any time, should they wish to do so. Or, indeed, as male or female.

            An insurance company may choose to ask for supporting evidence, I guess, but it would be an insensitive and belligerent thing to do. And there would be no compulsion for anyone to agree to that request. If an insurance company has accepted someone's policy, and premiums, and then attempted to reject it based on gender identity, I can imagine a sh!tstorm following.

            How would they determine someone was not non-binary? Follow them around with a private detective? But then, what actions, what behaviours constitute 'non-binary'? Anyone can wear whatever clothes they desire, walk however the want, speak however they want, wear makeup or not, etc, etc, etc.

            I think this is a recent anomoly which will be rectified/addressed in the near future. I doubt there is a huge database yet of actuarial data in Australia regarding accident rates of non-binary individuals. So for convenience it has probably been assigned something fairly arbitrary by insurers.

            I'm sure they will wake up to it, but I'd be very surprised if they ever persued an individual based on their stated non-binary gender status.

          • CowFrogHorse on 20/09/2023 - 18:20

            @Jolakot: Says who ?

            Its not about what you are legally, these forms are just trying to categorise you, so they can figure out their risk to insurance you. THe insurance company couldnt care less if you were half human half robot, im sure they would like to ask more questions to further group you if they could actually gather this infor accurately.

  • 811b11e8 on 19/09/2023 - 10:44

    A bunch of coppers identified as non-binary for some extra pay still waiting to see what happens with them.

    https://www.theguardian.com/australia-news/2023/aug/16/victo….

    The real crime is men and women being paid differently for the same job.

    • sardines on 19/09/2023 - 11:24
      +1

      Am i reading the article wrong as its clothing allowance - I don't think many people would have an issue that females get a little more allowance than males in this case.

      • 811b11e8 on 29/09/2023 - 21:52
        +1

        And what's the difference between a male and female clothing in the police force?

        It makes no sense to pay women more, it's not like women's clothing costs them more to wash or anything.

  • branners on 19/09/2023 - 10:49
    +8

    Not surprised, since some OzBers identify as Turkish for streaming services…
    As an aside, many years ago I ticked the wrong box while checking in to a hotel late at night. To this day, the whole chain thinks I am a Dr and I get a discount and, usually, an upgrade

  • realaaa on 19/09/2023 - 11:18
    +1

    they are also segregating by state now?? so some states do not get to be non-binary - why??

    • tessel on 19/09/2023 - 12:21
      +1

      Some states have more commonsense than others?

      • realaaa on 19/09/2023 - 12:23

        blasphemy ! such states must be cancelled

    • imme1386 on 19/09/2023 - 13:17
      +3

      Some states dont recognise gender fluid yet, Victoria and SA currently do WA, ACT, NT, NSW, QLD currently do not

  • David 1969 on 19/09/2023 - 13:02
    +6

    If I identify as a bald eagle, will I get a discount because I fly instead of drive? 🤔🤔🤔

    But in all seriousness, is it any wonder this world is cooked with these types of scenarios playing out 🤷🤦

  • caitsith01 on 19/09/2023 - 13:12
    -6

    Wow, this is super respectful towards actual non-binary people.

  • imme1386 on 19/09/2023 - 13:15
    +1

    From reading the Road truama report it shows that women are more likely to get into minor accidents and sustain minor injuries 52% to men 48%, men are less likely to be in minor accidents but more likely to be in major accidents 65% to female 35%, This could also be due to men not reporting minor accidents. so if you want a lower premium it would be better to identify as non binary or female - this was based on SA study https://www.dit.sa.gov.au/__data/assets/pdf_file/0007/247318…

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