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On fire! |
Registered: March 2012
Messages: 2344
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Long time no post.... Sorry guys but I have been a little busy with things recently. You see, I am in the process of buying a house with my boyfriend.
Ordinarily, you would think this is a cause for celebration. And it was, until yesterday.
We are taking out a joint mortgage. This means we have to have life insurance. Big deal, you think. A couple of weeks ago I called several insurers for quotes. They were generally in the range of about £5 (US$7.50 or so) each, which we thought was great. In the end, we decided to go with the company which is part of the same corporation as the Bank lending us the mortgage. When I called to take out the cover, they asked a few more questions (they had already asked if I was a smoker etc before). These questions included things like "Do you engage in high risk activities such as parachuting?"
One of the questions was, in these exact words, "Have you ever had sexual relations with a member of one of the following high-risk groups: male homosexuals, male bisexuals, intravenous drug users?"
Duh! It was a joint application by two men. The insurance lady realised this before I could even point it out to her. My £4 monthly premium then suddenly became £15.50, my partner's increased by slightly less but still nearly 300% we required a medical test where none is ordinarily required (and these were serious medicals - we were offered a choice of male or female doctor), and we were asked to undergo HIV tests - again normally not required.
So I asked her if her company discriminates against homosexual men. She refused to answer. She refused to provide another quote based on my imaginary straight partner.
Draw your own conclusions. I will provide the name of this organisation to anyone who asks privately. I will certainly not be taking out a policy. They are about to lose my car insurance too.
Are there any guys out there who have encountered this before? What did you do? All help appreciated!
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