This report published by the ABI on 2 March 2009 analyses the proposed UK legislation to disallow age discrimination in the UK motor and travel insurance markets, even if determined appropriate on the basis of verified underwriting or statistical data. That legislation is expected to be introduced later this year. Interestingly, the report highlights the point that all customers would face higher insurance premiums if age couldn't be used by insurers to help them assess risk.

It is worth noting that recent Irish legislative changes didn't go this far: As reported in last July's Tracker, differing treatment on the gender (but not age) ground is no longer permitted even if it can be justified on the aforementioned basis. However, while applicable to travel insurance, the Irish legislative change does not apply to motor insurance, life assurance and certain health insurance contracts.