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But 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 th

But 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 ago
But 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.