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Insurance update

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The European Gender Directive

Never heard of it?

Well the chances are you have but it maybe has never seemed important...

Put simply it means that after the 21st december 2012 insurance companies will no longer be able to 'discriminate' on the cost of insurance premiums based purely on whether the client is male or female.

What are the implications?

We're not really sure how this will affect premiums exactly but it's fair to assume that in general premiums for women will increase for most types of insurance (not necessarily all insurance). Whilst it might therefore seem obvious that premuims for men will decrease this may not be true in practice.

Is there anything that can be done to avoid the increase?

Get your insurance up and running as quickly as possible. Certainly for longer term policies (life cover or critical illness cover for example) with guranteed premiums - these are guaranteed for the term of the mortgage so if they are 'on risk' before 21st December 2012 you've got the premium fixed for the life of the policy.

Shorter term or annual renewable policies (car insurance or household insurance for example) will be renewed annually so you could get the lower premiums this year but the likelihood is the new rulings will affect your premiums next year. Again, get your policies on risk before 21st December.

Anything else?

Some companies are making concessions on life polices applied for now by putting them 'on risk' as soon as possible before 21st December. Even if all the medical information is unknown - this will guarantee the 'pre gender directive rates' even if policy has not been fully underwritten.

Please give us a call if you have any queries.

 

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