By James Moore in The Independent.
Discrimination against disabled people is, in theory, banned in law, even if it’s depressingly common in practice.
Unless, that is, you happen to be selling, say, travel insurance. Then the law says, go right ahead. Feel free to put the boot in. If that means people can’t travel, well that’s just their bad luck.
What’s that I hear you say? Of course insurers have to be able to discriminate! My son was just quoted more than a grand for a third party policy on his car, even though it’s got an engine so small it would struggle to get up a steep hill. You pay according to the risk you pose to the insurer of having to pay out, and that’s the way it has always been.
Well, up to a point. I didn’t hear too many blokes complaining when the EU banned motor insurers from discriminating on the grounds of gender in 2012, despite the fact that male drivers were held to pose more of a risk to their insurers.
But let’s park that for now, because there’s an important caveat to the law regarding disabled people we need to discuss first. It doesn’t grant insurers a free pass.
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