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Tuesday, October 21, 2025
London Journal | The Voice of London
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    China ‘plants pretty young women at public meetings MPs attend to try to glean UK secrets from them’

    China ‘plants pretty young women at public meetings MPs attend to try to glean UK secrets from them’

    China menacingly warns UK will ‘face consequences’ if it doesn’t approve mega-embassy

    China menacingly warns UK will ‘face consequences’ if it doesn’t approve mega-embassy

    Brits warned of tax rises & spending cuts ahead of Rachel Reeves’ Budget – after she is slammed for ‘killing growth’

    Brits warned of tax rises & spending cuts ahead of Rachel Reeves’ Budget – after she is slammed for ‘killing growth’

    Nigel Farage DITCHES £90billion tax cuts plan in bid to be more trusted on the economy

    Nigel Farage DITCHES £90billion tax cuts plan in bid to be more trusted on the economy

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      Ofcom backs away from change to rule over politicians acting as presenters

      Ofcom backs away from change to rule over politicians acting as presenters

      Ofcom orders BBC to air on TV finding that Gaza film broke broadcasting rules

      Ofcom orders BBC to air on TV finding that Gaza film broke broadcasting rules

      Los Angeles Times reveals $50m loss as it seeks $500m investment

      Los Angeles Times reveals $50m loss as it seeks $500m investment

      Culture brand Broadsheet marks London launch with first print edition

      Culture brand Broadsheet marks London launch with first print edition

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        Creepy ‘vile’ dungeon containing 2,000-year-old secrets is unearthed beneath busy UK market square

        Creepy ‘vile’ dungeon containing 2,000-year-old secrets is unearthed beneath busy UK market square

        Ancient Roman ‘experiment’ that was ‘hidden for centuries’ dug up near Rome after 2,250 YEARS & there’s ‘anomaly’ nearby

        Ancient Roman ‘experiment’ that was ‘hidden for centuries’ dug up near Rome after 2,250 YEARS & there’s ‘anomaly’ nearby

        Ancient Roman shipwreck found underwater at hols hotspot as divers find treasure on boat sunk in storm

        Ancient Roman shipwreck found underwater at hols hotspot as divers find treasure on boat sunk in storm

        Incredibly rare prehistoric fish that gobbles up SHARKS is caught off UK coast in major breakthrough

        Incredibly rare prehistoric fish that gobbles up SHARKS is caught off UK coast in major breakthrough

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        ‘Super weird’ sea DRAGON is uncovered in UK and could solve a 184-million-year-old mystery

        Biggest mystery over Easter Island’s heads finally solved as experts reveal the statues ‘WALKED’ into place

        Biggest mystery over Easter Island’s heads finally solved as experts reveal the statues ‘WALKED’ into place

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        2,500-year-old rock engravings were found near Mosul, Iraq.

        Is the soul of a person eternal? the findings of scientists

        With its most recent move, is General Electric abandoning wind power?

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        Witness history at the Masters 2026 with a luxury trip to Augusta National with this exclusive travel package

        Witness history at the Masters 2026 with a luxury trip to Augusta National with this exclusive travel package

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        UFC legend Charles Oliveira, 35, dubbed ‘LION KING’ after parading young son, one, around octagon after emphatic win

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        How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

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      • Politics
        China ‘plants pretty young women at public meetings MPs attend to try to glean UK secrets from them’

        China ‘plants pretty young women at public meetings MPs attend to try to glean UK secrets from them’

        China menacingly warns UK will ‘face consequences’ if it doesn’t approve mega-embassy

        China menacingly warns UK will ‘face consequences’ if it doesn’t approve mega-embassy

        Brits warned of tax rises & spending cuts ahead of Rachel Reeves’ Budget – after she is slammed for ‘killing growth’

        Brits warned of tax rises & spending cuts ahead of Rachel Reeves’ Budget – after she is slammed for ‘killing growth’

        Nigel Farage DITCHES £90billion tax cuts plan in bid to be more trusted on the economy

        Nigel Farage DITCHES £90billion tax cuts plan in bid to be more trusted on the economy

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          Ofcom backs away from change to rule over politicians acting as presenters

          Ofcom backs away from change to rule over politicians acting as presenters

          Ofcom orders BBC to air on TV finding that Gaza film broke broadcasting rules

          Ofcom orders BBC to air on TV finding that Gaza film broke broadcasting rules

          Los Angeles Times reveals $50m loss as it seeks $500m investment

          Los Angeles Times reveals $50m loss as it seeks $500m investment

          Culture brand Broadsheet marks London launch with first print edition

          Culture brand Broadsheet marks London launch with first print edition

          Trending Tags

          • Tech
            Creepy ‘vile’ dungeon containing 2,000-year-old secrets is unearthed beneath busy UK market square

            Creepy ‘vile’ dungeon containing 2,000-year-old secrets is unearthed beneath busy UK market square

            Ancient Roman ‘experiment’ that was ‘hidden for centuries’ dug up near Rome after 2,250 YEARS & there’s ‘anomaly’ nearby

            Ancient Roman ‘experiment’ that was ‘hidden for centuries’ dug up near Rome after 2,250 YEARS & there’s ‘anomaly’ nearby

            Ancient Roman shipwreck found underwater at hols hotspot as divers find treasure on boat sunk in storm

            Ancient Roman shipwreck found underwater at hols hotspot as divers find treasure on boat sunk in storm

            Incredibly rare prehistoric fish that gobbles up SHARKS is caught off UK coast in major breakthrough

            Incredibly rare prehistoric fish that gobbles up SHARKS is caught off UK coast in major breakthrough

            ‘Super weird’ sea DRAGON is uncovered in UK and could solve a 184-million-year-old mystery

            ‘Super weird’ sea DRAGON is uncovered in UK and could solve a 184-million-year-old mystery

            Biggest mystery over Easter Island’s heads finally solved as experts reveal the statues ‘WALKED’ into place

            Biggest mystery over Easter Island’s heads finally solved as experts reveal the statues ‘WALKED’ into place

          • Health
          • Science

            We’ve probably already been discovered by aliens, but they have some pretty good reasons to hide.

            Almost everyone is said to benefit from a scientifically supported method for improving sleep.

            2,500-year-old rock engravings were found near Mosul, Iraq.

            Is the soul of a person eternal? the findings of scientists

            With its most recent move, is General Electric abandoning wind power?

          • Crypto
          • Entertainment
            • All
            • Gaming
            • Sports
            Witness history at the Masters 2026 with a luxury trip to Augusta National with this exclusive travel package

            Witness history at the Masters 2026 with a luxury trip to Augusta National with this exclusive travel package

            UFC legend Charles Oliveira, 35, dubbed ‘LION KING’ after parading young son, one, around octagon after emphatic win

            UFC legend Charles Oliveira, 35, dubbed ‘LION KING’ after parading young son, one, around octagon after emphatic win

            Arturo Gatti Jr dead at 17: Boxing legend’s son passes away suddenly just 16 years after father’s tragic death

            Arturo Gatti Jr dead at 17: Boxing legend’s son passes away suddenly just 16 years after father’s tragic death

            Golf SUSPENDED by 60mph winds as Storm Amy causes chaos at Alfred Dunhill Links Championship with Ryder Cup hero leading

            Golf SUSPENDED by 60mph winds as Storm Amy causes chaos at Alfred Dunhill Links Championship with Ryder Cup hero leading

            Ernest Akushey dead aged 27: Boxer dies just days after losing fight as tributes pour in for Ghanaian fighter

            Ernest Akushey dead aged 27: Boxer dies just days after losing fight as tributes pour in for Ghanaian fighter

          • Lifestyle
            • All
            • Fashion
            • food
            • Home improvement
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            How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

            How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

            A Site for Situated Practices: Mezzanine

            Exhibition: Substance & Recoding: The Narrative of Contemporary Objects in the Semantic Turn

            Discover Amsterdam’s beauty from the water

            An adventure on the canals of Amsterdam

            An adventure on the canals of Amsterdam

            Eromosele Gideon Eigbiremolen Unveils Sustainable Vision for SS24 with Burvain's Latest Collection.

            Eromosele Gideon Eigbiremolen Unveils Sustainable Vision for SS24 with Burvain’s Latest Collection.

            after builders cleaning

            After Builders Cleaning Services in UK with Cliffycox: Reviving Spaces, Redefining Cleanliness

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          Are insurers racist? Probably not but they are doing a rubbish job of convincing us otherwise

          by Anderson
          November 13, 2023
          in Motoring
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          How your insurer comes up with the price it quotes you has always been a bit of a mystery. Comparison sites ask you all sorts of questions when you’re applying for insurance – but how these are used to deliver your price is hidden to the customer.

          And it’s not just the information you give them which goes into the black box. Some insurers also use information about you that you didn’t give them – for example, data from your credit file or your supermarket loyalty card.

          There’s no transparency around any of this – and most in the insurance industry argue that there shouldn’t be. What goes into each insurer’s pricing algorithm is their intellectual property – their secret sauce. And as long as the market is competitive, why should it matter? If one insurer uses your credit file, occupation and nectar card data to price your insurance – you’re still only likely to buy from them if their quote is competitive.

          But with no transparency around what goes into the pricing algorithms – how can we know that insurers are treating customers fairly – and are not unfairly penalising certain groups of customers? Insurers are no longer allowed to price based on your gender.

          And the Equality Act should also prevent them from looking at other protected characteristics such as your sexuality or ethnicity. But with no way to scrutinise their pricing formulas, it’s hard to have confidence that these rules are being abided by.

          Last year, Citizens Advice published a controversial report suggesting that there is an ethnicity premium in insurance – with Black and ethnic minority groups paying significantly more for their insurance than white people.

          The strong insinuation was that – deliberately or otherwise – insurers are discriminating against minorities.

          In reality, I don’t think their research does prove the allegation they are making – but the lack of transparency in the market has left insurers struggling to put up a credible defence.

          The fundamentals of insurance pricing are about risk. Insurers want to use data to work out how likely it is that you will have a car accident, or get burgled. In pursuit of this impossible goal – of providing a precise price to fit each individual’s risk level – insurers use ever greater sources of data. For example, if their claims history shows that people who work in leisure centres crash their cars more often than childcare workers, they will price the former higher than the latter.

          But there can’t be any credible causal link between either of those jobs and the propensity to crash your car – so in using these broad brush statistical correlations, they penalise people for whom the association is completely untrue.

          #color-context-related-article-2746765 {–inews-color-primary: #E33A11;–inews-color-secondary: #F7F3EF;–inews-color-tertiary: #E33A11;}

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          The best example of this is how insurers treat customers who have been involved in an accident that wasn’t their fault. Many will charge those customers more next year – because statistically you are more likely to be involved in another accident. It’s not that hard to work out why this is the case. People with better reflexes, for example, might have a better chance of avoiding being in accidents – and so those who get hit by another driver are on average those with slower reflexes.

          But what about the accidents where fast reflexes would have made no difference – the excellent drivers who get ploughed into while they are sitting stationary, for example. They may also be charged more next year when the statistics are drawing insurers towards the wrong conclusion.

          It’s time to draw some boundaries around what insurers can use to create a price – and what they can’t. As well as banning use of non-causal data – such as your occupation – we also need to look at how we price lower income families. In many cases, families in poorer neighbourhoods have to pay more for their insurance because the risk of theft or vandalism may legitimately be higher.

          Similarly, young drivers pay much more for their insurance because they have more accidents. But is it fair to charge most to those with the least? The origins of insurance were all about pooling of risk – and perhaps the rest of the pool needs to pick up some of the cost of some of the higher risk customers to ensure they can continue to access insurance.

          When it comes to ethnicity, Citizens Advice are undeniably right that ethnic minorities pay more for their insurance – but they are wrong to insinuate this is down to discrimination. In reality, the higher prices that non-white customers pay are more to do with the correlation between ethnicity and income. A recent study by the Institute of Fiscal Studies found that more than half of Black African households in the UK were in the bottom 20 per cent in terms of household income, living in poorer areas where claims rates are higher. The same is true of many other ethnicities.

          Rather than making their argument about race, Citizens Advice might be better placed to line up alongside the Barrow Cadbury Trust’s Fair by Design campaign – which works to eliminate the poverty premium.

          The debate around how to fix these problems needs to start with our politicians. My hope is that the recent rise in car insurance prices might be the catalyst for a wider conversation about how we can keep insurance priced fairly and accessible for all.

          James Daley is the managing director of the consumer group Fairer Finance

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