Citizens Advice said it found that in some areas “the difference in price was more than 100%,” and that common risk factors such as crime rates and deprivation levels could not account for this.
“We’re concerned this suggests that areas with large communities of colour may be identified as more risky, even when objective risk factors are controlled,” it said. It found that quotes in areas with large proportions of black or south Asian people came in at least £280 higher than quotes in largely white postcodes, but that the ethnicity penalty was “up to £950 in some places”.
Well, cars and certain races don't seem to go well together, it really has to be said.
For the “customers” the researchers picked names often associated with certain ethnic groups, though Citizens Advice said these ended up not having much impact on the prices being quoted.
“This suggests this penalty is paid by everyone who lives in an area, regardless of their ethnicity.” it added.
QED. Because in areas of large ethnic 'minorities', everyone's at risk of being involved in a collision, if not causing one...
So, the Citizens Advisers, by implication, want law abiding people to subsidise criminals. And therefore, criminal behaviour is rewarded.
ReplyDeleteNo, that sounds like a bad deal to me. For me. Why don't these advisers spend their time trying to persuade the criminals not to be criminals, and insurance premiums will begin to fall as a consequence. Then everyone will be happy.
Perhaps with the exception of the Citizen Advisers who will have one less thing to whine about.
Insurance quotations are based on accidents and vehicle crime in a certain post code. If a post code with a high number of vehicle crime incidents happens to be one with a high 'multi diversity' population, then the premiums will be higher. If the ethnics stopped stealing cars or driving dangerously, the premiums would fall. Perhaps someone in Citizens Advice is not joining the dots.
ReplyDelete