“Ageism takes many forms,” says Marcus who has been riding for 62 years “without a single accident” and had been insured in the 1990s with Swann.
He phoned Swann’s parent company, IAG, who told him they had a “business rule” that no quotes were handled for ages over 75.
Marcus made several follow-up phone calls.
“Finally a junior manager entered my details manually. I didn’t win,” he says.
Marcus left a formal complaint and received a phone call from IAG’s lawyer who followed up with a letter stating that they felt the manual entry had covered Swann’s requirements in this case.
Human rights issue
Marcus then rang the Australian Human Rights Commission and asked if he had a valid age discrimination complaint.
“After a while I was asked by HRC to state what would resolve my complaint. I stated effectively exactly what IAG finally decided to enact,” he says.
Marcus received the following letter on April 1, although it is no joke!
Swann’s Guidelines and acceptance criteria will b e adjusted to accept quotations for motorcycle riders aged over 75 automatically, without any requirement for discretion. Further, Swann’s online systems rules and ratings will reflect the automatic acceptance of quotations for motorcycle ridders aged over 75. Swann will ensure that all relevant staff are aware of the updated acceptance rules. Whether cover is offered is otherwise subject to the usual underwriting criteria.