ARCHIVED : This archived Practice Note considers the implications of the EU case Association belge des Consommateurs Test-Achats v Conseil des Ministres (the Test-Achats case) and other related laws on the use of sex-based actuarial factors in insurance products and occupational pension schemes. It is not maintained. For guidance on whether EU judgments are binding on UK courts, see Practice Note: Assimilated law — Assimilated case law. Common insurance practices before the Test-Achats case Insurance companies used to apply certain common practices before the Test-Achats case: • statistically, women are likely to live longer than men, so insurance companies commonly offered women a lower annuity for the same capital sum because it has to be paid for longer • statistically, men have more car accidents than women, so insurance companies commonly charged men (and, in particular, young men) higher premiums for motor insurance • statistically, women are more likely to claim under health-related insurance policies than men, so insurance companies commonly charged women higher premiums for such policies These results