Posted: Jan 07, 2015 6:59 am
by Scot Dutchy
laklak wrote:Already does here. They'll load your premium based on what you do in your free time. Scuba diving, skydiving, rock climbing, driving race cars, flying a small aircraft, all those will increase your cost. Your habits cost you, too. You'll pay a lot more if you're a smoker, for example, and your BMI is part of the premium calculation.

I don't know why this would be unacceptable, the same thing happens with every other form of insurance. A Ferrari costs a shitload more to insure than a Sentra, a big home costs more to insure than a small flat. It's considered perfectly normal to charge someone more for health insurance if they're older, so why not if they're overweight or engage in a risky hobby?

I agree that life style should be part of formula for calculating insurance costs. If somebody wants to be a dare devil that's up him/her but their insurance should reflect it. The same if somebody weighs 200 kg. and thinks it is normal that should be also reflected in the insurance costs.