Home Insurance Man legally changes gender to get cheaper car insurance: report

Man legally changes gender to get cheaper car insurance: report

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A Canadian man lied to a doctor to change the gender on his birth certificate — all to save some dough on car insurance, according to a report Monday.

“I’m a man, 100 percent. [But] legally, I’m a woman,” the Alberta resident, identified only as David, told The Canadian Broadcasting Corporation. “I have taken advantage of a loophole.”

David, 24, called an insurance company last year for a quote on a new Chevrolet Cruze he planned to buy — and learned he’d be charged $1,100 less per year if he were female, he told the outlet.

“I was pretty angry about that. And I didn’t feel like getting screwed over any more,” he said. “So I asked them to change my gender on my auto policy, and [a rep] was like, ‘We can’t do that.’”

The worker told him he needed to be listed as female on official government documents before she could do that, David said. So he did some research and learned he could easily change his gender with a doctor’s note.

“It was pretty simple,” he said. “I just basically asked for it and [said] that I identify as a woman, or I’d like to identify as a woman, and he wrote me the letter I wanted.”

He shipped the note and other paperwork to government officials and received a new birth certificate stating he was female three weeks later.
“I was quite shocked, but I was also relieved,” he said. “I felt like I beat the system. I felt like I won.”

He then changed the gender on his driver’s license, called the insurance company — and saved about $91 a month, according to the outlet.
His only motivation was to get a cheaper deal.

“I didn’t do it to point out how easy it is to change genders,” David said. “I didn’t do it to criticize or ridicule transgender or LGBT rights.”

In June, officials in Alberta scrapped the doctor’s-note requirement and began allowing adults to declare their gender as M, F or X, for gender non-binary people.

Men under age 25 are more at risk of getting into a car accident than women the same age, which often makes their insurance premiums higher, according the Insurance Bureau of Canada.

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