A Canadian man recently locked in savings of nearly $1,000 a year on his auto insurance by legally becoming a woman. The 23-year-old from Alberta, identified only as David, was disgruntled when he found out his insurance company planned to charge him a much higher rate to insure the new Chevy Cruze he was eyeing than it would if he were female.
The man decided to take advantage of what he called a “loophole.” He considers himself male but requested a doctor’s note saying he’d like to identify as a woman, sent it to the provincial government, and a few weeks later received his amended birth certificate. In June, Alberta scrapped the doctor’s note requirement for adults, so now any adult can simply declare themselves M, F, or “X,” for people who say they are neither.
“I’m a man, 100 percent,” David told CBC News, adding that he didn’t do it to ridicule transgender or LGBT people. “Legally, I’m a woman. I did it for cheaper car insurance.” An Insurance Bureau of Canada spokesman said he had heard of such cases, but making an untruthful claim was “fraud.”
The European Union’s highest court in 2011 banned as discriminatory the practice of charging different rates for men and women for auto, life, or medical insurance. —K.C.