A man in Alberta, Canada found a clever – albeit problematic – way to get a deal on insurance for his new Chevrolet Cruze compact car: change genders. After receiving a quote from one car insurance provider for $4,500 (about $3,400 US) per year to cover his brand-new whip, “David” casually asked what he might expect to pay if he were a woman. The insurance provider’s answer: $3,400 (roughly $2,600 US) per year.
So, the young driver, who has an accident and two tickets to his name, decided to go through the process of legally changing his gender so that he could get coverage for his Chevrolet Cruze for less. He got a doctor’s note, simply by telling the physician that he’d begun identifying as a woman, and used that note to get the gender changed on the necessary government documents – birth certificate and driver’s license. He now enjoys a substantially lower insurance premium than he would if he were still a man in the eyes of the law.
“I was quite shocked, but I was also relieved,” David told CBC. “I felt like I beat the system. I felt like I won.”
David told CBC that he understands the methods he used are in place to help people who need to correct the gender labels on their government documents in order to reflect who they truly are, but he “didn’t do it to point out how easy it is to change genders,” he said. “I didn’t do it to criticize or ridicule transgender or LGBT rights.”
“I did it for cheaper car insurance,” he said.
At the time of his legal gender transition, David was 23 years old. In Alberta, as in many other places, men below the age of 25 are hit with steeper insurance rates to reflect the higher statistical incidence of accidents among that demographic. Interestingly, CBC notes, in the European Union, the practice of charging more or less depending on gender is considered discrimination, and is banned.
(Hat-tip: The Truth About Cars)