disabled tend to pay more for insurance, the old find it harder to get a good policy, I won't comment on women insurance though.....
As for blue badge, you can only use the blue badge if you have the owner of the badge with you, and yes, you can have a blue badge for a passenger. I don't begrudge them parking closer, the only thing that pisses me off, when I go shopping, i could probably get away in the parent and toddler slots most weeks, but don't unless I got the kids with me, but half the time, you can't park due to ignorants parking 'cause they are only going to be five minutes'
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