EU's Gender Directive is now in full effect, following last year's EU Court of Justice ruling that mentioned "differences in insurance pricing based purely on a person's sex are discriminatory."

As of December 21, 2012, insurance firms are no longer able to use gender as a factor to calculate premiums. This means rates of EU residents will change shortly, with woman's rates probably going up while man's rates are expected to go down.

The argument provided by the courtroom is that varying rates are arbitrary for men and women. Insurer's argument explains younger men are more likely to have an accident compared to a young woman driver. In addition, statistics have shown young men drivers are involved in more serious accidents than young woman drivers.

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