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Stacy Said:

Where can I find information about female car insurance? Is it really cheaper than for men?

We Answered:

Females under the age of 25 are statistically safer drivers, and pay less. That is true for any and all insurance companies, and built into the rates, there is no separate "male" or "female" insurance.

Ross Said:

Insurance and car troubles :-(?

We Answered:

autoinsurance.noneto.com - check this one. As I remember they have lowest car insurance rates for teens and young drivers.

Erica Said:

Motorbike cheaper than car insurance?

We Answered:

Yes, insurance is cheaper on a bike.
Especially a 125.
Insurance companies know you can't do too
much damage with one.

Sharon Said:

first car? economical and cheap insurance?

We Answered:

It should be 4-door, 4-cyls, not sporty. I would prefer Honda or Toyota... First time drivers usually have much more expensive car insurance, and it depends from car. You should compare insurance rates while choosing the car - for example here - autoinsurance.noneto.com

Marsha Said:

UK Car Insurance for Transsexuals?

We Answered:

Sure most motor insurance companies will happily write you a policy in a female name, but while you are pre-op they are highly unlikely to adjust premium / risk in your favour ....

.... basically you remain "male" in actuarial terms (my own UK experience following honest disclosure ) - and since when did oral estrogens really affect your driving style / cut aggression ? - just made me a bit crazier a driver than I was already, cooler headed yes, more relaxed, but faster !

If you fail to tell your "past" gender to your insurers they have valid and legal reasons to decline any claim, certainly if you don't have a "Gender Recognition Certificate".

Of course a broker might tell you that you're getting "female rates" to get your business, and absorb it in comission or profits .... but the cheapest insurers tend to be inflexible.

Even if you are post-op in the UK, and with GRC & amended Birth Certificate, insurance remains effectively outwith the legal UK GRA framework.

If you fail to disclose your past history of your life as a "male" to life assurers or medical insurers you absolutely invalidate your policy .... after all for a late transitioner (40 - 60's) you do not suddenly accquire the longevity, better cardiac health, etc. of a born female, indeed HRT might cause serious added health issues ....

.... or suddenly become a calmer driver (esp. for younger TS women) !

Sure post-op & post-GRC you have good legal grounds for not revealing "past gender" when applying for new motor insurance, but I know insurance companies were "stick in the mud" when the Gender Recognition Act was being put together insistent that one's history influences risk. Not sure if the insurance companies would challenge, or whether its ever been tested in the courts.

And as for health and life insurance policies forget it !

For health, medical, travel, life policies you usually have to disclose details that would "give the game away" anyway, like past hospitalizations, surgeries, current medication, indeed any significant factor that might affect your risk whether specifically asked or not (the delights of smallprint) !

So GRC does not confer automatic insurance rights, even when the "Provision of Goods & Services Act" is amended to include us .... one of the few areas where TS equality in UK law remains currently unresolved.