Alberta man changes gender on government IDs for cheaper car insurance
He says he saved almost $1,100
He
wanted a brand new car — a Chevrolet Cruze with all the trimmings.
As
a man in his early 20s, he knew his insurance costs would be high
So
he became a woman, though only on paper.
"I
have taken advantage of a loophole," said the man — we're calling him
David — who spoke on the condition that his identity be kept
confidential because of the potential repercussions.
'Getting screwed'
David,
who lives in Alberta, says he identifies as a male. But his government-issued
identification tells a different story.
It
started when an insurance company gave David a quote — roughly $4,500 a year,
if he bought the Chevy. He had a collision and a ticket or two on his record,
which helped boost the premium.
Then,
he had an idea. He asked the insurer what his costs would be if he were a
woman. He was told his annual bill would sink to roughly $3,400 — a $1,100
difference.
"I
was pretty angry about that. And I didn't feel like getting screwed over any
more," he said.
"So
I asked them to change my gender on my auto policy, and she's like, we can't do
that."
Young men generally pay more
According
to the Insurance Bureau of Canada, men under 25 are generally at higher risk of
collision than women of the same age, which means their premiums are often
higher.
David,
who was 23 at the time, says he learned he first had to change his gender on
his birth certificate and driver's licence before he could have it reflected on
his insurance policy, to get the cheaper rate.
After
doing some research, he realized he needed a doctor's note to show the
government he identifies as a woman, even though he doesn't.
"It
was pretty simple," he said. "I just basically asked for it and told
them that I identify as a woman, or I'd like to identify as a woman, and he
wrote me the letter I wanted."
Under
the rules in place at the time, Albertans needed to produce a doctor's note to
switch the gender marker on their personal documents. In June, the government
scrapped the doctor's note requirement for adults, allowing them to declare
their marker as M, F or X, for those who don't fit into a strictly male or
female binary.
'I felt like I won'
David
shipped the note and other paperwork off to the provincial government. And, a
few weeks later, he received a new birth certificate in the mail indicating he
was a woman.
"I
was quite shocked, but I was also relieved," he said. "I felt like I
beat the system. I felt like I won."
With
the new birth certificate in hand, he changed his driver's licence and
insurance policy.
All
to save about $91 a month.
"I'm
a man, 100 per cent. Legally, I'm a woman," he said.
"I
did it for cheaper car insurance."
David
says he's aware the methods he used to become a woman on paper are designed for
Albertans who need to correct the gender marker on their identification to
reflect who they really are. But he says his target was the insurance industry,
not the gender diverse community.
"I
didn't do it to point out how easy it is to change genders," he said.
"I didn't do it to criticize or ridicule transgender or LGBT rights."
Banned in EU
According
to the Insurance Bureau of Canada, gender is just one factor that insurers
consider, along with the driver's age, vehicle, driving record and location.
In
2011, the European Union's highest court ruled the insurance industry's
long-standing practice of charging different rates for men and women
"constitutes discrimination." The European Court of Justice ordered
the industry to remove gender consideration from auto, life and medical
insurance plans, among others.
Steve
Kee, spokesman for the Insurance Bureau of Canada, says he's heard anecdotal
reports of people changing their gender for cheaper insurance, though he
doesn't know how often it happens.
"If
you're going to declare on any document, you need to be truthful," he
said. "If not, you're making a fraudulent claim. This could impact you for
any future insurance application that you make, or any other aspect of your
life."
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