Since the transition , there is a year of new regulations that changed the terms of insurance rates , men and women are supposedly housed in the same boat as the price of their coverage. Supposedly ...
On 21 December 2012, the insurance industry found itself buffeted by a new provision imposed by the European Court of Justice : the abolition of all forms of price discrimination between the sexes. From that date , no further insurer was entitled to propose a reduced price or premium to a client on the grounds that it is a man or a woman.
How is the insurance rates ?
Recall that for a set price , an insurer enjoys three parameters. First, the cost of claims and their frequencies. Such a young motorist who potentially more likely to cause an accident due to his lack of experience on the road . Second criterion , costs, charges and management costs that correspond to taxes , wages and rents that the insurer must pay. And finally the profits they generate , ie margin . All its factors , in which the sex of an insured is often linked , play on the development of pricing policies , especially if the values change .
The end of gender discrimination in rates would have lead to tangible economic changes for the French. Most would see as the price of their coverage lower or raise . One year after the proclamation of the new legislation , the time of reckoning has come . Men and women are they really on an equal footing ?
self
In theory
Considered less creative accidents than men on the road, women had until 21 December 2012 reduced their auto insurance rates , 8% cheaper on average by comparison Assurland . A difference that could even reach 20 % savings for young female drivers , once past their period of probationary license .
In practice
So the women would see their insurance premiums increased, and those men diminish. In fact, things seem to have changed the comparators, evidenced by the simulations carried out by journalists Insurance News who obtained identical profiles , tariff equalities between men and women. However, only the results of the same companies , usually pure players (online insurance) emerge every time. Impossible to know the prices offered by the big brands . And for good reason , such as Stéphane reveals Chappellier , Actuary and Associate Head of Casualty division in Actuaris , insurers retain their secrets quote based on gender.
Insurers have therefore been able to find some well advised to bypass this end tariff inequalities parades. Another of their tactics is to rely particularly on the fiscal power or use of a vehicle. Women generally driving, and more sporadically , small city cars less cut to achieve excessive speeds , it is easy to provide reduced to a less automobile accident- rate. Insurance companies can therefore focus on criteria other than sex to lead to price equivalent to those before December 21, 2012 .
health
In theory
Statistically taking better care of their health, more frequent consultations multiplying (dermatologists , gynecologists, dentists , radiology ... ) but also due to higher expenses during the period of pregnancy and during menopause , women cost more to their insurers. They therefore paid accordingly premium / higher than men ( 10% more on average according Assurland ) contributions for their coverage before December 21, 2012 .
In practice
Less critical than self , the decision of the European Court of Justice was to have a mixed impact on health rates. Only 10% of French would find themselves affected , mainly because of the proportion of employees (50%) covered by mutual companies . These covers financed half by employers , have never considered sex for the determination of rates. Through collective risk pooling , each employee is entitled to the same protection for the same price .
Also learns that Stéphane Chappellier
In life insurance
In theory
If one refers to statistics on life expectancy , men live shorter lives than women. A difference that was transcribed directly on premiums / contributions to life insurance contracts before December 21, 2012 , playing to the disadvantage of the male sex .
In practice
At present , unclear whether insurers have played the game of equal charges in this segment. The longevity gap is reducing increasingly gender , therefore insurance prices tend to equalize year after year without the Law of 21 December 2012 has no real impact on it.
