EU Gender Directive Winners And Losers

A study carried out by leading car insurance comparison site has revealed that age and occupation could have been an influential factor for insurers when re-calculating premium prices as a result of the EU gender ruling., a popular insurance comparison site, has produced a study looking at the impact of the December 2012 EU Gender Directive. The research looked at a sample of female driver profiles aged 19 and 35 who work in a selection of different occupations and used them to obtain car insurance quotes every week from late November 2012 through to the 21st of December 2012 – when the EU Gender Directive came into effect. Nurses have seen little change in policy pricing The study has revealed that the majority of the younger driver profiles saw a much more pronounced increase in premiums, whereas quite a few of the 35 year old driver profiles actually saw a decrease. This supported market expert’s views of the likely impact of the Directive in the weeks and months running up to what was dubbed “G Day”. Perhaps more interesting though is that insurance providers seem to have made significant adjustments to occupation ratings when removing gender as a standalone rating factor in order to try to continue to reflect the lower risk that women drivers present to them. Occupations that are more likely to have a high proportion of women seem to have been re-rated by many insurance  providers so as to negate the impact of the Gender Directive. So nurses and midwives, for example, have seen very little change to their policy pricing, regardless of their age. Difference in car insurance premium between a nurse & midwife However, women working in selected occupations that are more male-biased have seen premiums soar as insurers have looked to balance the relative discounts given to “female” occupations by increasing premiums in what could be classified as more male-biased jobs: Difference in car insurance premium between a racing driver & sports coach Andrew Goulborn, Commercial Director at, commented: “The study was set up because we wanted to see how insurers would react to the Gender Directive and to see how it would affect premium prices for women of different ages and occupations. What we have found is very interesting. Although insurers can no longer take gender into account, they have used surrogate factors like occupation in order to mitigate some of the effect of the Directive on the pricing of young women’s car insurance policies.”
28/01/2013 10:13:53 Eren
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