Gender Fluidity Has Its Advantages: ‘I’m a man, 100 per cent. Legally, I’m a woman.’ By Snejana Farberov.
Earlier this year, then-23-year-old [Canadian] David purchased a new Chevrolet Cruze and was required to get a full-collision insurance policy.
When he contacted his insurer, he was quoted $4,517. His driving record included a minor crash and a couple of speeding tickets.
‘So I ask. “Out of curiosity, how much would my premium be if I was a woman?”’ David wrote in an April Reddit post. ‘The broker comes back with a quote of $3,423. Holy f***.’
Both in Canada and the US, male drivers under the age of 25 are normally required to pay more for car insurance than women because they are statistically more likely to get into car accidents.
David was angered by what he perceived as gender-based discrimination and asked his insurance broker to change his gender on paper to female, but his request was denied.
Undeterred, David decided to legally change his gender with the Government of Alberta so that he could obtain a new birth certificate and a new driver’s license listing him as a woman, which he could then take back to his insurer.
In order to do that, the frugal motorist learned, he had to get a letter from his doctor saying he identified as a woman.
At first, David thought that was the end of the road for his enterprise because he did not want to undergo a gender reassignment surgery, but he was mistaken: all he had to do was tell his physician that he wished to change his sex.
After submitting the doctor’s note and all the necessary forms, David received in a mail his new birth certificate, in which his sex was listed as female.
‘I was quite shocked, but I was also relieved,’ he said. ‘I felt like I beat the system. I felt like I won.’
Armed with his brand-new birth certificate, David went back to his insurance company and got the lower rate, saving him $91 a month.
Next up: when guys start showing up during Ladies’ Nights at bars, saying they identify as women, and demanding half-price drinks.