If we think charging women less and men more is acceptable, then how about if the stats showed that certain ethnic demographics had a greater or lesser propensity for insurance claims. Would pricing based on ethnicity be acceptable? To me, all three factors above are not in my control and I don't think it's fair to tar us all with the same brush for characteristics which can't be controlled. By all means, charge me more or less based on where I live, what I drive, how many miles I do, what qualifications (driving) I hold etc, as I can control those things. But not on things out of my control. I accept that it may be statistically significant, but I don't see it as 'fair' to the consumer. So according to this thinking, an 80 y/o should pay the same for life insurance as a 20 y/o. After all, it's not his fault he's 80. And if you have cancer, you should pay the same for life insurance than someone who hasn't. It's not fair to charge someone extra for having a serious illness. Insurance should never be about what is fair. Premium should be based on your chances of making a claim on the policy. And according to your thinking it would be OK to charge an Asian man and a White British Man different amounts, all other things being equal? Purely based on their race? Insurance SHOULD be about "what is fair", and you agree with me on