If the fact that "Statistically, male drivers are more dangerous" would mean that no matter how safe am i driving, my insurance cost will be higher than my wife's insurance would prob make me feel discriminated based my gender. I want my_insurance= f(driving_experience, incident_count, my_car, my_area, etc) not my gender.
Premiums are based on the groups to which you belong. Some of those groups are driving experience, your car, your area, your incident count, etc. Another is, of course, your gender. If a valid statistical correlation can be found between gender and revenue, they will adjust the premium to compensate.
I dont know much about how car insurance are calculated but if their formulas still have some gender discrimination - this should be banned.
Is it my driving experience (i.e. age)? How many incidents I have had? My ability to afford a safe car or live in a nice area?
Where are we allowed to draw the line?
my funtion is perfectly applicable for firsttimers. in this case some of the args are zero So first time male/female drivers in same region, age, cars, other characteristics should have similar costs for their first ins_period.
Again I dont see any troubles with this initiative, to me it makes perfect sense.