Abstract
AbstractInsurance classifications that rely on demographic information are often accused of being discriminatory. There is a strong movement, based on human rights legislation as well as the Canadian Charter of Rights and Freedoms, to abolish them. However, analysis shows that the common criticisms of these classifications are self-contradictory and also apply in large measure to the behavioural criteria most commonly proposed as substitutes. Whether current practices are “reasonable” in the sense of the Charter will be an important question for determining the scope of the “equality rights” of section 15 of the Charter.
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