keep The Equality Act 2010 (Age Exceptions) Order 2012
This Order (SI 2012/2466) provides exceptions to the age discrimination provisions of the Equality Act 2010, effective 1 October 2012. It carves out age-based discrimination permitted in: immigration functions by Ministers; financial services risk assessments; service concessions for age groups; age-restricted holiday packages; age-restricted services (e.g., alcohol); residential mobile home parks for specific ages; association membership concessions; and age-banded competitive sports. The exceptions generally require the discrimination to be justified by legitimate factors (safety, fair competition, risk assessment, etc.) and often include procedural safeguards.
Without these exceptions, Britons would be worse off in several ways: (1) Insurers could not use age in risk assessment, forcing cross-subsidisation that inflates costs for younger people and distorts actuarial pricing; (2) Competitive sports could not legally organize age-banded competitions, harming youth development and competitive integrity; (3) Age-restricted holiday services (common for seniors) and mobile home communities would be prohibited, reducing choice for those who prefer age-specific environments; (4) The immigration exceptions ensure democratic accountability for immigration policy rather than judicial interference; (5) Businesses offering legitimate age-based concessions (senior discounts, youth pricing) would face compliance burdens. The financial services exception includes safeguards requiring risk assessments to use relevant, reliable data. These exceptions represent reasonable accommodations to genuine differences rather than arbitrary discrimination.