By on July 26, 2018

2017 Chevrolet Cruze Sedan Monroney, Made in Mexico, Image: © Bozi Tatarevic/The Truth About Cars

Why didn’t I think of this? An Alberta man with a spotty driving record and a burning lust for the Chevrolet Cruze discovered you can save piles of cash if the government thinks you’re a woman. Or at least an individual who identifies as one.

Speaking anonymously to CBC, the man said his transition to a female (on paper) began after he approached insurance companies in search of coverage for his new — and quite sensible — compact sedan. Well, we assume it was the sedan.

What followed was a journey through genders, all to save 91 bucks a month.

Hot for Cruze, the man, then 23, soon discovered his driving past meant paying a Traverse-sized premium. It’s no secret that young people, guys especially, pose a risk to insurers, thus leaving them paying more for coverage. (Your author recalls recoiling in horror after getting a quote on an ’88 Mustang LX four-cylinder.)

One accident and two tickets meant the first insurer he spoke with quoted him $4,500. Ouch! In passing, the man, whom the news outlet refers to as David, asked what the reduction would be if he was a woman. It turns out that a lady David would pay $3,400 a year, leaving him with a cool $1,100 in his bank account.

“I was pretty angry about that,” he told Canada’s national broadcaster. “And I didn’t feel like getting screwed over any more.”

And so, like the protagonist in the Lou Reed song, he became a she. “David” learned that if he changed his gender on his birth certificate and driver’s license, he could qualify for the cheaper policy. But first, he required a doctor’s note.

“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.”

Had he waited until June, David wouldn’t have needed to visit the MD. Alberta recently scrapped the law requiring a doctor’s note before individuals can change their gender on government documents.

“I was quite shocked, but I was also relieved,” David said. “I felt like I beat the system. I felt like I won.”

With a driver’s license displaying his new gender in hand, David returned to his broker and got the policy he wanted. He also got the Cruze of his dreams. The Alberta man claims he didn’t go through this in order to cast aspersions at transgendered folk or the process of legally changing one’s gender. No, this was all about the insurance, he said, adding that he’s still all man.

We have to assume the Pride of Lordstown had something to do with it, too.

Having gamed the system, David’s sitting pretty. But he might not be the only man to undergo a sex change of sorts in order to lower his insurance costs. Steve Kee, spokesman for the Insurance Bureau of Canada, told CBC that he’s heard “anecdotal” reports of other individuals doing the same thing — though with savings comes danger.

“If you’re going to declare on any document, you need to be truthful,” Kee 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.”

[Image: © Bozi Tatarevic/The Truth About Cars]

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48 Comments on “‘I Won’: Man Becomes Woman to Score Cheaper Chevy Cruze Insurance Policy...”


  • avatar
    FreedMike

    I’m telling State Farm my name is “Oprah” now. I expect a rebate.

  • avatar
    SCE to AUX

    A fresh twist on insurance fraud – nice.

    The insurance company would have rejected his gender claim out of hand if he was trying to insure a Hellcat, for instance.

  • avatar
    Sub-600

    Good for him, the Cruze is a reasonable car, it’s not like he was trying to get into a dude-bro Fast and Furious ride. Insurance companies will gouge you until after you die, beat them out of every nickel you can.

    • 0 avatar
      ect

      If he makes a claim and it’s denied because he lied on the application, his “saving” will have been more than wiped out

      • 0 avatar
        MBella

        He didn’t lie on anything. He went about it the legal way as today’s society accepts. How is it not sexism for insurance companies to increase price based on the person’s gender? If an insurance company went the other way and started charging women more, every feminist group would be on them in less than 24 hours.

        • 0 avatar
          Wacko

          I’ve been saying that for over 20 years, if women would pay more insurance than men, that wouldn’t stand.
          Still don’t understand how this Vagina rebate or penis penalty is still in place in 2018
          I 10 years ago decided if you can’t beat them, join them(I get rebates for working for them)

        • 0 avatar
          Malforus

          The lie would be if he doesn’t align the other official paperwork. There is a grace period for the transition but it will be very clear if she/he decides only to have their insurance application identity be one way and the rest the other.

          I expect the person will get away with it but I wouldn’t want to be in their seat when they have their next brush with the law.

          The insurance company will drop them and probably flag his SIN as suspected fraud and then they will have to get specialty insurance.

          At 23 this is the kind of thing like defaulting on credit cards that has a long tail.

      • 0 avatar
        delow48

        How are they to prove he lied? The whole gender thing is based on feelings, if he says he feels like a woman then it is truthful. He should even be able to change back and forth at any time based on what he feels. No way to prove that at that moment he was lying since that is all inside him.

  • avatar
    TMA1

    “If you’re going to declare on any document, you need to be truthful,” Kee 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.

    Translation: Please don’t everyone do this, you’ll bankrupt us.

  • avatar
    Carroll Prescott

    Since many women are whining about not being considered equal, I think insurance companies should charge WOMEN the same rate as MEN and let them pay extra – don’t reduce the rates for men to women’s rates. Since gender means nothing these days, let the person pay regardless of how you identify. Give everyone the shaft so to speak.

    • 0 avatar
      brn

      You mean base auto insurance solely on your driving record, rather than your gender? That’s just weird

      If we want to make an argument that men cost the insurance company more, let’s talk medical insurance. Women cost the insurance company more, yet most states down allow them to charge women more. Seems women have it both ways.

      • 0 avatar
        Jerome10

        Exactly.

        In fact, I believe the Affordable Care Act made this illegal everywhere to charge men and women different rates.

        IMHO its complete garbage. You cost more to insure, then you pay more!

        And if not, then you can’t have this both ways. You don’t get to pay less in health insurance, then stick men with higher car insurance. I much prefer people pay proportional to what they cost, but if we can’t have that for whatever reason, then absolutely this needs to happen in car insurance.

        Problem is take it all the way down the line and “it isn’t fair someone pays more for car insurance just because they’re a bad driver, or they live in a high theft area!”

        The men/women thing on health insurance and then asking the question if men shouldn’t pay more for car insurance can often be an entertaining conversation should you feel the desire to listen to someone defend why men and women shouldn’t pay different rates for health but should for cars….

        Regarding, this guy, great. I LOVE unintended consequence of policy. honestly it is often fun to watch. This is a great one. The other is, I believe in Connecticut, male high school athletes identifying as female then proceeding to kick the $hit out of all the girls at state championships. The yeah buts and mental gymnastics that come out of these things are highly entertaining, or infuriating, depending on how you choose to see it.

  • avatar
    Lie2me

    So, this guy commits insurance fraud and it’s worth a story? Um, no

    • 0 avatar
      TMA1

      Who did he defraud? The state wasn’t defrauded – it doesn’t have any financial interest in his gender. And if his legal status has changed, the insurance company has nothing to complain about.

      Certainly abuse of a loophole, but I wouldn’t say that rises to criminal fraud.

      • 0 avatar
        Tim Healey

        I think this could be considered fraud by the insurance companies, if not on a criminal level.

        • 0 avatar
          Syke

          If the state is willing to consider him legally female, and he went thru all the proper steps to be pronounced female, then he’s legally female. Which means it cannot be fraud. At this point, the way he would defraud the insurance company is to file as male, even though he’s (legally) not.

          Having absolutely no sympathy for insurance companies, I sit back with popcorn as to how this plays out.

          • 0 avatar
            brn

            In the context of insurance fraud, “fraud” is a legal term for wrongful or criminal deception intended to result in financial or personal gain.

            Because he followed the processes, as they were intended to be used, I don’t see how this rises to [insurance] fraud.

            Not a lawyer. :)

    • 0 avatar
      Tim Healey

      It’s entertaining enough to be a story, and points out a loophole in the syste, that can be gamed.

    • 0 avatar
      ToddAtlasF1

      “So, this guy commits insurance fraud and it’s worth a story? Um, no”

      Are you saying that men who identify as women to win sporting competitions are committing fraud?

  • avatar
    tankinbeans

    Is calling around to different insurance companies not a thing in Canada? I’m 30, a male, and drive a bog standard Mazda6. For 2 cars, full coverage on the Mazda6 and comprehensive on an aged Buick, runs $115 a month. I called around until I got a price that was reasonable.

    When I was 16 I was quoted $3400 for 6 months on a van. I said forget that and kept calling around until I found one for $1500, which at the time and considering my age was pretty good.

    Is calling around just boring for people and they’d rather lie and take more time out of their life to save money?

  • avatar
    b534202

    Nice try. But next year they’re raising his rate to 4500.

  • avatar
    ClutchCarGo

    Depending on where in Alberta he lives, it’s possible that a traffic stop could be very unpleasant. A not very woke officer might look at this guy in a very dim light. Ribbing from his friends might be pretty brutal as well.

  • avatar
    maui_zaui

    Bravo to this guy, or *ahem* woman, for finding a loophole and taking advantage of the government’s virtue signaling tolerance. Why stop there? If Universities are teaching kids that gender is just a social construct, then ‘she’ should go one step further and identify as the race most likely to garner even more discounts or benefits. Rachel Dolezal has championed this thought and I think it has as much validity.

    /sarcasm btw

  • avatar
    Tele Vision

    Under TurdEau ( my portmanteau for the idiot ) one can ‘identify’ as a beehive or a lawn dart in Canada these days and get away with it. One’s plumbing or orientation now has nothing to do with identity in the interests of ‘inclusion’. Time to move to Eastern Yurp.

  • avatar
    JK43123

    Let’s hope he is not injured in an accident and claim he hurt his penis!

  • avatar
    SPPPP

    Couldn’t he just say he’s “questioning” the necessity to drive aggressively? Basically, he’s “safety-curious”? That should at least knock a chunk off the price, right?

  • avatar
    PentastarPride

    Out of all the lawsuits filed left and right out there, some of which are outright frivolous, I’m surprised a class action lawsuit hasn’t been filed against insurance companies for what is effectively a penalty for being male.

    I agree that drivers should pay more if they are new drivers, constantly racking up tickets, are found at fault in an accident or have bad credit, however, I would think the “being male” thing is outright discriminatory in a world where even sneezing the wrong way is discrimination. I would be an eligible class member of such a suit because I’ve never been in a wreck let alone never received so much as a parking ticket during my time as a “male under 25” policyholder.

    • 0 avatar
      TMA1

      I never quite got the credit connection. People with bankruptcies are more dangerous drivers? Might as well charge more for people born in December vs June.

    • 0 avatar
      ClutchCarGo

      I believe that the insurance companies can charge more for Males Under 25 because they have the historical data to back up their claim that those drivers have a higher rate of claims. It’s not discrimination when it’s backed up by data, much like higher rates for zip codes with higher claim rates.

      • 0 avatar
        Sub-600

        “It’s not discrimination when it’s backed up by data”…Tell that to pizza places that get sued for not delivering to high crimes areas. Ditto for taxicabs.

        • 0 avatar
          ClutchCarGo

          If the pizza places and cab companies collected terabytes of data like the insurance companies do (not very likely given the expense), they could probably get away with charging more to serve high crime areas, just not refusing to serve them at all.

          • 0 avatar
            ToddAtlasF1

            The FBI has those numbers, which sort of kills your defense of forcing businesses into combat zones.

  • avatar
    Dan

    There was a really long line for the bathroom, so I discovered that I self-identified as a dog and just used the tire of the nearest car.

  • avatar
    V8biturbo

    In Argentina, women retires at 60 and men at 65. The result is that men now are declaring to be identified like women, changing the declared sex int their ID´s and retiring at 60. You don´t need to look like a woman to declare to feel identified as one. The very first who did this is a man called Sergio, now she is a female called Sergia with a beard and a moustache.

  • avatar
    Art Vandelay

    And we begin to see the unintended consequences of businesses dabbling in these issues.

    “Wait, this guy wants to pay woman’s rates?!? We didn’t mean equality in THAT respect…just as it related to little people”

  • avatar
    HotPotato

    [email protected] “burning lust for the Chevrolet Cruze”

    Yes, it sucks to be a male under 25 shopping for car insurance, because apparently statistically men under 25 drive like a-holes. Hence this and other less extreme workarounds, e.g. registering the car to Mom and identifying her as the primary driver.

    On the one hand, the disparity kind of makes a mockery of the point of insurance: to pool and dilute risk. On the other hand, car insurance is not health insurance; I suppose driving a beater for a few years instead of a new car won’t kill you.

  • avatar
    el scotto

    I would imagine statistically, that under 25yo women say; “Here, hold my beer” much less than their under under 25yo male counterparts

    • 0 avatar
      Art Vandelay

      They are also statistically more likely to say “I need a month off since I’m having a baby” then men but people get pretty upset when you pay them less money because of that. This is sexism, pure and simple.

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