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European gender directive

European Gender Ruling and Insurance

November 2012

The European Court of Justice has ruled that from 21st December 2012, insurers can no longer consider someone's gender when calculating individual premiums and benefits. The ruling applies to new policies and renewals to policies.

Which types of insurance policies will be affected?

The ruling will affect insurance policies that usually factor in a customer's gender when premiums or benefits (a pension income) are calculated. This includes:

  • Car insurance including Young Driver insurance and ecoinsurance
  • Retirement income products, such as annuities
  • Life and health insurance

See below for answers to how the ruling affects these products.

Will my current car insurance policy be affected?

Premiums for policies that renew on or after the 21st December 2012 will be calculated without using gender as a way to price car insurance. These changes will be implemented by us, you don't need to do anything. You can still make changes to your existing policy as you do now.

Check our car insurance fees and charges that will apply for certain changes and also how cancellations may affect your No Claim discount.

Check our Young Driver car insurance fees and charges that will apply for certain changes. Watch our video that explains how the directive affects Young Driver car insurance.

Check our ecoinsurance fees and charges that will apply for certain changes.

When will new car insurance policies change?

The premium for any policy that comes into effect on or after 21st December 2012 will be calculated without gender affecting the price. If you get a quote from us in the weeks leading up to the change, please ensure that you check how long it is valid for as we are unable to guarantee a quote after the 21st December 2012.