Jim, the reason why women get cheaper insurance is pure and simply that statistically they cost the insurance company less in claims payouts.

zoe:As a 30 year old female, most men will find it impossible to beat my insurance. I have never claimed. I am currently with diamond but am considering a switch to sheilas wheels, to get as cheap as possible.

 

Cant quite understand why women get cheaper insurance then men. Also, if there was an advert pointing out why women were so *** at driving and would only accept male members, then there would be an uproar. I wouldnt stick with shielas wheels too long, they wont be around much longer.

 I passed my test in July this year. I have a car thats insurance group 12, insurance for the year cost me £480 fully comp and they even gave me a free year`s no claims bonus just for joining.

 No doubt, if some two bit tart tried the same who cant park for ***, they would have found insurance virtually impossible to get with any decent company.

 Stick with Shiela love, no doubt they cater for the underdog.

 Jim

Come on now,tell me what was sexist about what I said,do you even know what sex I am? If in your humble opinion women are better drivers how come they have more accidents,albeit less serious ones than men.That is a fact.I stand by what I have said women drivers fall into two classes only very good or very bad and nothing inbetween and as a ex professional front line ambulance person having attended many,many road traffic accidents over more than 2 decades I have seen the results of bad driving by both sexes and although female drivers suffer from less serious injuries they are involved in more minor shunts than men.Damage to vehicles claims are cheaper to settle when there is no loss of life or crippling injury claims to settle,there fore women tend in general to get lower premiums,but it doesnt make them better drivers-take some time watching women trying to park a car and you will see what I mean.

How reassuring to know that misogyny and sexism are not yet dead!!

Women get cheaper car insurance because, statistically speaking (rather than speaking out of outmoded sexism) they drive better.  Simple, really.

Likewise with teenagers.   Frustrating if you are the one in a million who is a born careful driver, but, statistically speaking, they drive more dangerously.

Such an easy concept to understand, but I guess all that testosterone gets in the way, huh?

In answer to that about driver attitude it occurs to me that test examiners already take into account a drivers atitude to other road users,it seems to me as an older driver 65+ that nothing has really changed in the last 4 decades,we are all on our best behavior when taking the test-and as soon as we get that pass certificate our attitude changes,we take off the L plates and we become the best driver on the road,the thing most of us wont accept is that we lack experience and that is what is the cause of so many young drivers having more serious accidents than their peers.IT HAS ALWAYS BEEN THIS WAY AND ALWAYS WILL,there is no substitute for experience,the other main cause is the massive increase in road traffic in the last 30 years,more accidents are inevitable in my opinion.But to get back to the original thread I dont understand why women drivers get lower premiums than men,not that I actually believe they do,but has anyone else noticed that women drivers,particularly those in the 20/30 age group drive more aggresively than they used to.In my humble experience after nearly 50 years of unblemished driving that there are only 2 types of women drivers,they are either very very good (majority) or very very very bad with nothing inbetween,where as most men think they are the best driver on the road and drive they think like Sterling Moss (showing my age now) .This should open the floodgates and Im glad none of you know where I live-feel free to agree or disagree but keep things cool.PS I think also you will find the majority of Women drivers actually hold genuine driving licenses where as more men drive without a License of any kind,you can draw your own conclusions from that comment.Goodbye to the Zoe who started all this.

Haha, that's awesome, if only I was a Christian I might be able to get cheaper insurance :P.

I hope they do introduce some sort of test regarding driver attitiude, I'd help boring guys like me who drive safe, but as CK pointed out earlier, it won't help accidents resulting from a lack of experience or concentration.

conmankiller:Yes, but what would be the outcome if a Christian was driving through Longleat safari park, wouldn't they be more liable to have a crash trying to get away from the lions ?      : - )

 Good point, CK, but there is an insurer that has beat you to that one lol. A company called "Ansvar" ask the question "Are you a total abstainer from alcohol?" and "Do you attend Church?"

It's not discrimination as it bases it's rates according to the individuals lifestyle, so in answer to the question, apparently a Christian IS less likely to have an accident.

I rarely use this company, as you can probably guess! LOL!

RichS:Good point, but surely speeding to show off to friends etc will increase the chances of an accident although as you said it's really just about experience. I can tell by looking at my peers that some will be far more likely to crash than others, I can't believe that some of them were even able to pass their tests.

 

There’s rumblings from those in charge of
driving tests they may introduce a psychology test, to weed out those more
inclined to act the boy racer and drive with an aggressive attitude.  I
hope changes are made, it’s far too easy for people to drive and cause a
problem for other road users.  I'm 21 and have been driving for three
years and observed some truly awful driving, I dread to think what the more
experienced drivers have seen!

 

Good point, but surely speeding to show off to friends etc will increase the chances of an accident although as you said it's really just about experience. I can tell by looking at my peers that some will be far more likely to crash than others, I can't believe that some of them were even able to pass their tests.

RichS:I'm a sensible driver, I don't want to speed, or driver dangerously, but I have to pay for people my age who take it too fast and claim.

You don't need to be exceeding the limit to have an accident!  Most
accidents are rear end shunts, not necessarily because someone is exceeding the
limit, but because their attentions are diverted momentarily away from the
road.

It’s more to do with your limited experience than strictly age.  You'll
have high premiums at whatever age within your first two years of driving.

Yes, but what would be the outcome if a Christian was driving through Longleat safari park, wouldn't they be more liable to have a crash trying to get away from the lions ?      : - )

That's what I mean :P
I have no problem accepting that men under 25 make more claims than any other group. It's just unfair that they can split the groups to men and women, with women getting far cheaper insurance, if they decided that, say, Christians were safer drivers, and cut their premiums, there'd be outrage and the company would never survive.

RichS:I totally agree, insurance companies seem to be beyond all anti-discrimination laws or regulations. Interestingly though, although Men and Women are given totally different quotes, insurance companies haven't dared enter the realm of differing insurance costs for different ethnic backgrounds. If they can tell that men may crash more than women, why not that people from Wales, for example make claims more or less.
As a 17 year old driver, when it comes to insurance, I'm literally paying more than the value of my car for insurance, a 90,000+ miles peugeot 306 costing £999 will cost me over £1500 for insurance, although I will have PassPlus by the time I buy a car I've heard it won't make much difference. I'm a sensible driver, I don't want to speed, or driver dangerously, but I have to pay for people my age who take it too fast and claim.

Very interesting point that you raise above, they must have past claim statistics that can prove past claims from different ethnic backgrounds are either a higher or a lower percentage risk to their business , therefore you would think they would ask all about your origins, in deciding on the cost of the premium as well as all the other information.

I wonder why they do not seek this information along with all the other details, or could it be seen as racism ??????????

I totally agree, insurance companies seem to be beyond all anti-discrimination laws or regulations. Interestingly though, although Men and Women are given totally different quotes, insurance companies haven't dared enter the realm of differing insurance costs for different ethnic backgrounds. If they can tell that men may crash more than women, why not that people from Wales, for example make claims more or less.
As a 17 year old driver, when it comes to insurance, I'm literally paying more than the value of my car for insurance, a 90,000+ miles peugeot 306 costing £999 will cost me over £1500 for insurance, although I will have PassPlus by the time I buy a car I've heard it won't make much difference. I'm a sensible driver, I don't want to speed, or driver dangerously, but I have to pay for people my age who take it too fast and claim.

Cat,

thats better no shouting, i saw the guy from neighbours on it as an extra, he must be a nobody in oz.

What do you think of this free 118 service freesearch 119 ? i hooked up this morning sounds good, i hate bt . line rental, vat, endless automated systems, i hope this company takes some business off them.