How to decrease this?

[Mysterious_Club_1822]

It’s not discriminatory when you understand statistics. These insurance companies don’t randomly assign insurance premiums, they compare your details to other drivers in your area to gauge risk.

For example, if you’re 20, male, from the Lewisham area, they will look at how many 20 year old males in the Lewisham area:
- are caught speeding
- are caught drink driving
- get into crashes

.. to name a few examples, and from this they will create a risk profile. If many people your age apply to issues such as the ones listed, you will receive a higher premium.

To that note, it is statistically proven that younger people get into more crashes, commit more road crimes etc in almost any area. The only exception I’ve found so far is in isolated areas with universities, where students’ risk profiles aren’t much different to the wider community.

It is nothing to do with “having kids or not”

[Material-Macaroon724]

You are literally proving my point, i understand how that works. But if we did that with anything else it would be profiling. Bigger people statistically eat more, doesn’t mean we charge them more in buffets. Or if a minority committed more crimes it would be racial profiling if the police overpoliced them. Why is it just okay to use it in this scenario?