'I Won': Man Becomes Woman to Score Cheaper Chevy Cruze Insurance Policy

Steph Willems
by Steph Willems
i won man becomes woman to score cheaper chevy cruze insurance policy

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]

Join the conversation
3 of 48 comments
  • HotPotato HotPotato on Jul 29, 2018

    Lol@ “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.

  • El scotto El scotto on Jul 29, 2018

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

    • Art Vandelay Art Vandelay on Jul 30, 2018

      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.

  • Alan In Australia only hairdressers would buy this Monaro as its known as. Real men had 4 door sedans and well hung men drive 4x4 dual cab utes with bullbars and towbars. I personally think this is butt ugly. Later iterations of the Commodore were far better looking.
  • Jeff As a few commenters on prior articles on this site about the UAW strike mentioned many of the lower tiered suppliers could go bankrupt and some could possibly go out of business if the strike is prolonged. Decades ago Ford and GM owned many of their own suppliers but as we all know over the years manufacturers have been outsourcing more parts and with just in time supply there is little room for any interruptions to production including strikes, natural disasters, and anything unforeseen that could happen. When the strike ends there will be delays in production due to parts shortages. It costs suppliers money to just keep making parts and stockpiling them especially when many parts have razor thin profit margins.
  • Lou_BC You can't go too wrong with a SBC, even a modded one. I get the vibe this has had a hard life. Kinda like the hot chick with a "property of H.A." tat on her butt.
  • El scotto Think of three vehicle assembly plants on the same road with fast food joints across the road. The fast food joints sell food to the workers from all three plants. Think of the suppliers as the fast food joints. They sell to all three plants and if the plants are idled, the suppliers have to shut down too.
  • The Oracle This is a proper muscle coupe clunker.