The Minister responds cautiously and rather cautiously to questions from Member Krol to the Ministers of Finance and Justice and Security about age discrimination in third-party and third-party car insurance. There can be an objective justification for discrimination based on age.
Research results show that motorists aged 70 years and older cause an average of 22-38% less damage than someone aged 35, but pay a lot more premium. Minister Hoekstra writes that it is difficult to give a general opinion about the differences in premiums or age discrimination. Insurers use their own damage statistics and risk models to base their premiums on.
The Consumentenbond's overview of surcharges and age limits at different insurers shows that each insurer makes different considerations that are not always to the disadvantage of the elderly.
The Miniter further writes that it is not up to him to assess whether there is an unjustified distinction in car insurance. If a consumer has a complaint about an insurance or insurer, he can file a complaint via the internal complaints procedure of the insurer. The consumer can also submit a complaint to a civil court or the Financial Services Complaint Institute (Kifid).
The Human Rights Board is not authorized to judge this issue because it falls outside the scope of Article 10, second paragraph, of the Act on the Board of Human Rights.
Also read: SP asks parliamentary questions about the expensive insurance of taxis
