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UK Car Insurance for Transsexuals?

What is the legal status of transsexuals with respect to motor insurance in the UK? Does an MTF transsexual (i.e., a woman born a boy) still have to pay men's (exorbitant) insurance prices even after the Operation, or does she qualify for cheaper car insurance?

Public Comments

1. What is your gender on your drivers license? I would think you would have to have coverage for the specific gender you are considered legally.
2. lmao Questions here get crazier by the minute,
3. Just because you think you're a woman, they won't give you a discount. I should imagine after the op, you will then be classed as a true woman, and you will receive the same benefits as other woman. As long as theres a penis between your legs, and your licence etc says male, you've got no hope.
4. It is based on what your drivers permit says not what is btw your legs- at least in the U.S. In the U.S. there was an insurance company a couple years ago that settled a case out of court with a transperson for refusing to adjust their premiums in regards to what their legal documentation relfected. Most insurance companies would rather just give you the break than get into a legal battle and bad press over what is basically a small amount of money- in the eyes of a large corporation at least. When I had my documentation changed my carrier actually gave me a retro credit for the lower rate based on the date I actually legally changed gender and not when I filed- and without being asked. I haven't heard of problems with this from people I know in the U.K., but I suppose there could be differences. I just tend to think if there were someone would have been ranting about it in the forums or chat or made mention under the legal issues section. The site I visit is U.K. based which is why I think that.
5. It would be what is on your Birth Certificate.
6. 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.
7. I wish my experience is helpful for you.Here is the good resource. http://insurance.online-assistant.info
8. and what about a ftm transexual, would he willingly pay more? omg, do you reckon there's a seperate category for self neutered?