28 29 30 Whilst there has been greater judicial consideration of reasonableness in the context of the SDA or DDA, these decisions are likely to be relevant when considering reasonableness under the RDA or ADA. 42 QBE Travel Insurance v Bassanelli (2004) 137 FCR 88, [30]. 43 QBE Travel Insurance v Bassanelli (2004) 137 FCR 88, [30]. Sex Discrimination Act 1984 (Cth) s 7B; Secretary, Department of Foreign Affairs & Trade v Styles (1989) 23 FCR 251; Catholic Education Office v Clarke (2004) 138 FCR 121; Commonwealth Bank of Australia v Human Rights and Equal Opportunity Commission (1997) 80 FCR 78. 44 For example, see discussion of the reasonableness of different studies and data sources in Ingram v QBE Insurance (Australia) Ltd (Human Rights) [2015] VCAT 1936, [182]. 45 Xiros v Fortis Life Assurance Ltd [2001] FMCA 15 (6 April 2001) [16(k)]. 46 QBE Travel Insurance v Bassanelli (2004) 137 FCR 88, [53]. 47 This Guidance Resource is intended to provide general advice and does not specifically examine issues for insurers relating to gender identity, such as data collection and discrimination. It is acknowledged that there may need a need for separate guidance on these issues. 48 Sex Discrimination Act 1984 (Cth) s 87. 49 Sex Discrimination Act 1984 (Cth) s 41(1)(e). 50 Disability Discrimination Act 1992 (Cth) s 29A. 51 Disability Discrimination Act 1992 (Cth) s 11. 52 Ingram v QBE Insurance (Australia) Ltd [2015] VCAT 1936, [127]. 53 Discrimination Act 1991 (ACT), Anti-Discrimination Act 1977 (NSW), Anti-Discrimination Act 1992 (NT), AntiDiscrimination Act 1991 (Qld), Equal Opportunity Act 1984 (SA), Anti-Discrimination Act 1998 (Tas), Equal Opportunity Act 2010 (Vic), Equal Opportunity Act 1984 (WA). 54 Age Discrimination Act 2004 (Cth) s 12; Disability Discrimination Act 1992 (Cth) s 13; Racial Discrimination Act 1975 (Cth) s 6A; Sex Discrimination Act 1984 (Cth) s 10. 55 The Actuaries Institute Anti-Discrimination Working Group’s ‘The Australian Anti-Discrimination Acts: Information and Practical Suggestions for Actuaries (August 2020)’ (available at: https://actuaries. logicaldoc.cloud/download-ticket?ticketId=0d5870d62acc-4c74-8bce-d01afd0eba8f) includes a summary table of protected attributes under state or territory legislation at section 2.7. 56 Resources on discrimination in the ACT available at: https://hrc.act.gov.au/discrimination/. 57 Resources on discrimination in NSW available at: https://antidiscrimination.nsw.gov.au/antidiscrimination-nsw/discrimination.html. Secretary, Department of Foreign Affairs & Trade v Styles (1989) 23 FCR 251, 263; Australian Medical Council v Wilson (1996) 68 FCR 46, 60; Catholic Education Office v Clarke (2004) 138 FCR 121. 31 Commonwealth v Human Rights and Equal Opportunity Commission (1995) 63 FCR 74, 87; Australian Medical Council v Wilson (1996) 68 FCR 46, 60; Commonwealth Bank of Australia v Human Rights and Equal Opportunity Commission (1997) 80 FCR 78, 111. 32 Commonwealth v Human Rights and Equal Opportunity Commission (1995) 63 FCR 74, 87; Australian Medical Council v Wilson (1996) 68 FCR 46, 61; Commonwealth Bank of Australia v Human Rights and Equal Opportunity Commission (1997) 80 FCR 78, 112. 33 Age Discrimination Act 2004 (Cth) s 15(2); Disability Discrimination Act 1992 (Cth) s 6(4); Sex Discrimination Act 1984 (Cth) s 7C. 34 Australian Medical Council v Wilson (1996) 68 FCR 46, 62 35 Age Discrimination Act 2004 (Cth) s 28; Disability Discrimination Act 1992 (Cth) s 24; Racial Discrimination Act 1975 (Cth) s 13; Sex Discrimination Act 1984 (Cth) s 22. 36 Age Discrimination Act 2004 (Cth) s 5; Disability Discrimination Act 1992 (Cth) s 4; Racial Discrimination Act 1975 (Cth) s 3; Sex Discrimination Act 1984 (Cth) s 4. 37 Age Discrimination Act 2004 (Cth) s 28; Disability Discrimination Act 1992 (Cth) s 24; Racial Discrimination Act 1975 (Cth) s 13; Sex Discrimination Act 1984 (Cth) s 22. 38 Australian Human Rights Commission, Guidelines for providers of insurance and superannuation under the Disability Discrimination Act 1992 (Cth) (2016). 39 Age Discrimination Act 2004 (Cth) s 37. 40 Disability Discrimination Act 1992 (Cth) s 46. 41 Disability Discrimination Act 1992 (Cth) s 107; Age Discrimination Act 2004 (Cth) s 87. Guidance Resource: Artificial intelligence and discrimination in insurance pricing and underwriting • 2022 • 53