Canadian man switches his gender on government ID to get cheaper car insurance

By Jonathon Van Maren

It was only a matter of time, I suppose. Once people realized that the Canadian government had officially abolished—or at least, rendered legally irrelevant—the biological categories of male and female, someone was bound to realize that switching genders in certain circumstances could come with some potential benefits. Consider this story from the CBC:

He wanted a brand new car — a Chevrolet Cruze with all the trimmings. As a man in his early 20s, he knew his insurance costs would be high. So he became a woman, though only on paper.

“I have taken advantage of a loophole,” said the man — we’re calling him David — who spoke on condition of anonymity because of the potential repercussions. David, who lives in Alberta, says he identifies as a male. But his government-issued identification tells a different story.

It started when an insurance company gave David a quote — roughly $4,500 a year, if he bought the Chevy. He had a collision and a ticket or two on his record, which helped boost the premium. Then, he had an idea. He asked the insurer what his costs would be if he were a woman. He was told his annual bill would sink to roughly $3,400 — a $1,100 difference.

“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 she’s like, we can’t do that.”

According to the Insurance Bureau of Canada, men under 25 are generally at higher risk of collision than women of the same age, which means their premiums are often higher. David, who was 23 at the time, says he learned he first had to change his gender on his birth certificate and driver’s licence before he could have it reflected on his insurance policy, to get the cheaper rate.

I’m sure you can figure out what happened next. The Canadian government, after all, has obligations to the tenets of transgenderism that the insurance peddlers do not have:

After doing some research, he realized he needed a doctor’s note to show the government he identifies as a woman, even though he doesn’t.

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

Under the rules in place at the time, Albertans needed to produce a doctor’s note to switch the gender marker on their personal documents. In June, the government scrapped the doctor’s note requirement for adults, allowing them to declare their marker as M, F or X, for those who don’t fit into a strictly male or female binary. David shipped the note and other paperwork off to the provincial government. And, a few weeks later, he received a new birth certificate in the mail indicating he was a woman.

“I was quite shocked, but I was also relieved,” he said. “I felt like I beat the system. I felt like I won.”

With the new birth certificate in hand, he changed his driver’s licence and insurance policy. All to save about $91 a month.

“I’m a man, 100 per cent. Legally, I’m a woman,” he said. “I did it for cheaper car insurance.”

David says he’s aware the methods he used to become a woman on paper are designed for Albertans who need to correct the gender marker on their identification to reflect who they really are. But he says his target was the insurance industry, not the gender diverse community.

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

He might not have done it for those reasons, but he managed to do a pretty effective job of it nonetheless. I’m sure there are a few confused trans activists trying to figure out how to respond to this story right now—they can’t object to the simple process in place to switch your gender, since they championed it. But they also can’t be pleased that David has made them look appropriately ridiculous.

According to the Insurance Bureau of Canada, gender is just one factor that insurers consider, along with the driver’s age, vehicle, driving record and location..Steve Kee, spokesman for the Insurance Bureau of Canada, says he’s heard anecdotal reports of people changing their gender for cheaper insurance, though he doesn’t know how often it happens.

“Anecdotal reports,” meaning that our friend in Alberta is probably not the only fellow who has realized that with a bit of paperwork, he can become she, at least in the driver’s seat. And because the Trudeau Liberals have solemnly accepted the idea that men can become women and women can become men, as well as a new reality where women can have penises and men can have a female reproductive system, they really don’t have a leg to stand on when people decide to take the ideology of gender fluidity seriously.

People are identifying as all sorts of things these days. For the time being, David from Alberta identifies as a guy who pays a lot less on car insurance because the Canadian government was willing to declare him a female, despite the fact that he is a male, based on his simple request—which is all the evidence anyone needs these days.


For anyone interested, my book on The Culture War, which analyzes the journey our culture has taken from the way it was to the way it is and examines the Sexual Revolution, hook-up culture, the rise of the porn plague, abortion, commodity culture, euthanasia, and the gay rights movement, is available for sale here.

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