I have filled with him long ago. Yes, I am aware of the operating principles of insurance. No, this is not a polemic against the industry.
Example: insurance – car driver 22-year-old man was at a price much higher than a woman of 52 years, cited for the same coverage. He quotes the actuarial justification, that young men under 25 X times more likely to request a file, 50 + women.
If any company was to offer different prices / rates based on their own statistics, it would be open to civil procedure for discriminatory practices.
So there is a legal basis for the insurer to distinguish essentially are allowed?
First: Anyone can do what is not prohibited. The legal basis for how all is that no law forbids it was founded. You do not need a legal basis for it, you need a legal basis to stop it.
The insurers are allowed, and it is sometimes necessary to prohibit discrimination based on age, gender, and various other factors. They are not necessary and sometimes not allowed to offer all the same interest rate.