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Even if that first part were true, we'd been together for a considerable time before she was interested enough in driving the car that we changed the insurance,
by Silhouette 8y ago
Even if that first part were true, we'd been together for a considerable time before she was interested enough in driving the car that we changed the insurance, so their risk analysis would still have been miles off for years.
- TheCoelacanth 8y agoBut they can't base insurance premiums off of information that they don't know. They can't just take your word for it that you are in a relationship, because that is too easy to lie about. Buying insurance together is a clear indicator that would take significant effort to game.
- Silhouette 8y agoBut they can't base insurance premiums off of information that they don't know. Of course. But as long as they can't form a sufficiently complete picture to make fair decisions -- that is, pricing based on actual risk -- discriminating on easier grounds that are correlated with risk but also happen to be incorrect in many cases isn't fair, so we make laws that stop them doing that.