On 30 September 2010, the Advocate General of the European Court of Justice (ECJ) issued an opinion to the ECJ in relation to the use of gender as a risk factor in insurance. The opinion proposes that the derogation provided for in Directive 2004/113 (the Gender Directive), allowing Member States to permit gender-based differences in insurance premium and benefits, should be declared invalid. If the ECJ follows this opinion, this could have significant repercussions on a Europe-wide basis, including in Ireland, where gender may be used as a valid risk factor for certain types of insurance, if this is based on actuarial or statistical data upon which it is objectively reasonable to rely.