Car insurance for women has become even cheaper. Last year the average women paid around 300 pounds less for car insurance than the average man. This is bad news for blokes, but fantastic news for the ladies. We have sheilas wheels and diamond to thank for highlighting womens safer driving and rewarding them with cheaper quotes. However, with womens insurance become increasingly cheaper, and mens increasingly more expensive, when will things begin to turn around. In the mean time, enjoy spending the spare cash girls, and whilst you buy those extra shoes or more expensive lipstick, think about the poor blokes, who have to dig deep to find the extra cash, just so the can drive their car!!! Girls Rule!

I think women have more little 'accidents' like bumping other cars in the car park. But when men crash, they tend to do it big time!

I've been driving for just 3 years, I'm 21 so hopefully premium will drop more when I reach 25. In just three years my premium has lowered so that it now matches what my boyfriend pays (despite the fact he's been driving for 11 years). And we both drive the same make, engine size etc of car.

So life seems good. ;o)

My sister is a 33 year old driver, who has never made any type of claim. Her insurance is slightly cheaper than mine! It is 210 pounds. Her boyfriend usually paid around 560 pounds for his insurance, until recently when he wrote his car off in an accident that was entirely his fault. This premium will probably rise to around 1000 pounds. Luckily, he is a lawyer and can afford it, but that doesn't stop us girls (he has 4 sisters) reminding him of who the better driving sex actually is. We even had a celebratory evening with champagne to celebrate his icompetance. But don't worry Bro, we all still love you really!!

I think those women who don't claim for 5 years should get 1 years free insurance. What our quotes would have been can be passed onto male drivers, making them pay even more!!! We drive safely so deserve some rewards, not just the satisfaction of getting the cheapest insurance!

Yes you might as well fleece us poor guys even further I also have to maintain my wife's car, and she only lets me drive it when it needs petrol and of course a wash. Ahhh marital bliss LOL.
If the wife runs off with my best mate, eeeehh I will miss him.

What the .... ?

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You gotta tie yourself to the mast my friend, and the storm will end.

johnnycrowforth

I have removed your posts because of the vulgar contents and the offensive nature, please read the forum rules on joining. If I have to remove another post contavening MS terms of service, your membership will be revoked.

Thanking you.

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Moderating in moderation.

Now now girls you all know that half the claims  made on the husbands insurance are while the wife is driving it!!  Also if the girl has a bump her rich boyfriend pays the bill to save her claiming and losing her bonus. Just keep believing your better girls and we'll keep leaving the seat up :-)

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Regards

Ian

Yes, my previous posts were deleted for offensive terms and for talking about zoes menstrul cycle, my aologies. My point was though that looking at the profile I found it very odd she seems obsessed with womens car insurance and keep trying to mock men about this. I was saying in the last email that yes some young men in some countries pay slightly more for car insurance but we pay less for everything else, hair, clothes, makeup, toiletiries even underwear and that women pay more for health insurance, PPI and have lower annuities for the same reasons as some men in some countries get more expensive car insurance and undoubtedly a lot of women do get ripped off by mechanics, also in many countires women arent even allowed to drive. The average men also gets paid £6000 more then women (in senior management this rises to £24000 so what exactly is the effect of insurance lol?). Men pass with an average of 14 lessons less then women (quite a saving if your a man!) and have a higher pass rate; men take 1.7 attempts to pass while women tak 2.4

 http://www.timesonline.co.uk/tol/news/uk/article513993.ece

and the inferior driving abilities of women is why there are no women in F1 or even F2,F3,GP2 or rallying,motsport etc. and why women are twice as likely to crash at junctions then men and infact are more likely to crash then men (but as they are at lower speeds are less likely to claim so are better to insure).

http://www.scienceagogo.com/news/19980516133725data_trunc_sys.shtml 

 I brought this up as you don’t see men making threads about this and why doesn’t she discuss this if she is so bent on womens car insurance. And speaking of insurance, what affect has it actually had on men? One of the reasons women get cheaper insurance is that there are less women drivers and they have less milage so men drive MORE then women. There are 17.2 million men compared to 14 million women with liscences in the UK (in some countries the number of women is 0 as females are not allowed to drive in many countries) and men have a whopping 74% more milage in the US. Men are passing at higher rates then women and with less lessons (men take 1.7 attemps to pass compared to 2.12 for women in the UK and on average men take 14 less lessons, (quite a nice saving if you’re a man I’d say!). That’s a UK stat but it is a world wide trend, even in Italy where I’m from. In some parts of the US women are twice as likely as men to fail). As more women drive there will be more crashes by simple probabillty calculations infact in the period 1973 to 2003 womens fatalities INCREASED by 14% while mens actually DECREASED by 11% also as more women become lorry drivers, taxi drivers etc. and there will be more women there will be more crashes. The main reasons young women get cheaper car insurance is that young women (and older) drive smaller, cheaper, less powerful cars and there is nothing wrong with that if that’s what women want. Men still drive faster, more powerful, modified cars and are much more likely to driver super/hyper cars but that’s what we want just as women will pay more for shoes, makeup, clothes and feminine toiletries – that’s what they want. Taxi drivers, bus drivers, lorry drivers, stunt men, driving instructors, even pilots, captains, tank drivers, soldiers, seamen etc. are men. Men and only men are winning F1, F2, F3, rallying, a nice bit of money if you’re a man! Men even invented the car! Men are the ones who use vehicles to be the first men on the moon, space, to discover this country, that country etc. So what exactly is your point about car insurance??

Also think about it logically. Your making fun because men pay more for car insurance in some countries – well we dont the only time we really pay a mentionable amount more is for teen drivers … Lol and who pays for that? Lol its the parents and if your parents pay more for your lets say brother then it is affecting you just as much - your parents spending more on insurance when they could have spent it on your family.

Lol you really weren't think logically today were you?

Hi Johnny

I think you're being a little over-sensitive on the whole issue.

You need to get out a bit more mate!  ;o)

Oh, and by the way - just in case you're wondering - I'm female.

 

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Kind regards
Indi

“In the end, the love that you take is the love that you give”

Thanks for your comments, 

to be honest I really dont give a dogs crap about this issue, I replied simply because zoe seems to be obbsesed by it. I used to have a car in in my homeland Italy but working as a petrochemical engineer in Saudia I dont even need insurance so insurance is not something I need on my mind and as I am a man I am the only gender allowed to drive (and work) by kingdom law in Saudia which is something I feel deeply against however, Im not making threads about it saying "look how good it is for us fellas" and taunting women like zoe is >trying< to do as I just rubbished all her claims. I do appreciate your comments and I do see why you think I am taking it personally but as I have rubbished all of her claims and even if they were true they make no difference to me whatsoever so I am not taking it personally 

In 2002 - the latest figures available - male drivers committed 94 per cent of driving offences causing death and serious injury (Source: Home Office). Even allowing for the additional amount of male drivers and the additional average mileage per annum - male drivers are still about nine/ten times more likely to kill or permanently cripple or otherwise seriously injure people in road crashes than female drivers. They are also twice as likely to be be killed in road crashes than female drivers.

In 2002 male drivers also committed 97 per cent of dangerous driving offences, 89 per cent of drink or drug driving offences, 85 per cent of careless driving offences, 83 per cent of speeding offences, and 84 per cent of offences involving neglect of traffic signs and directions and of pedestrian rights (Source: Home Office). These figures were much the same in previous years, and will no doubt continue to be much the same in following years.

In 2006 - the latest figures available - there were 3,172 road deaths, 28,673 serious injuries and 226,559 minor injuries (Source DfT).

The anti-camera propagandists would have people believe that the main cause of fatal and serious injury road crashes is inattention and driver error, but does it seem likely that male drivers are nine/ten times more inattentive than female drivers or nine/ten more times prone to driver error, or could it be that male drivers - but by no means all - tend to drive faster and more aggressively than female drivers? We all know the answer of course!

slowcoach:

In 2002 - the latest figures available - male drivers committed 94 per cent of driving offences causing death and serious injury (Source: Home Office). Even allowing for the additional amount of male drivers and the additional average mileage per annum - male drivers are still about nine/ten times more likely to kill or permanently cripple or otherwise seriously injure people in road crashes than female drivers. They are also twice as likely to be be killed in road crashes than female drivers.

In 2002 male drivers also committed 97 per cent of dangerous driving offences, 89 per cent of drink or drug driving offences, 85 per cent of careless driving offences, 83 per cent of speeding offences, and 84 per cent of offences involving neglect of traffic signs and directions and of pedestrian rights (Source: Home Office). These figures were much the same in previous years, and will no doubt continue to be much the same in following years.

In 2006 - the latest figures available - there were 3,172 road deaths, 28,673 serious injuries and 226,559 minor injuries (Source DfT).

The anti-camera propagandists would have people believe that the main cause of fatal and serious injury road crashes is inattention and driver error, but does it seem likely that male drivers are nine/ten times more inattentive than female drivers or nine/ten more times prone to driver error, or could it be that male drivers - but by no means all - tend to drive faster and more aggressively than female drivers? We all know the answer of course!

Since posting the above earlier today I have - by chance - come across more recent figures regarding driving offences. As you can imagine, I have been somewhat mystified during the past couple of years or so as to why more recent figures for driving offences have not been published by the Home Office. Now I know the reason why they hadn't! Because they are now published by the Ministry of Justice!

The latest figures available are in fact for 2005, and are more or less identical to the figures for 2002 which I quoted above. Of the twenty-five offences listed, male drivers committed 88 per cent of them, including 92 per cent for 'Vehicle or part in dangerous or defective condition' and 89 per cent for 'Motorway offences (other than speeding)'.

Its legal sexism when men have to pay more just because men make more claims.

You dont see different races paying different premiums so why should different sexes pay different premiums.

If the stats could prove a certain race accounts for more accidents and claims can you really see insurers trying to charge them more just because they are of that certain race.

What about the typical 35 year old bloke with 18 years claim free driving ,why should he pay more than the same typical woman just because he is a man!!.

It true,change a blokes sex on the quote to a female and i can say in almost all cases the premium goes down.

Its a scandalous excuse to make men pay more because they supposedly have more accidents,thats always gonna happen as there are more male drivers on the road.

Message for zoe,women are not better drivers,in fact id say its about equal,most women do less they 10000 miles a year,which is around 200 miles a week or around 25-30 miles a day.

Men on average do more miles than women so they are bound to have more accidents or collisons with other drivers.

ye so wot is ur point, my point was: 1) I dont care about gender issues as i dont have the mentality like the thread starter 2) However, since she brings it up the statistics, the pass rates, crash rates data and more importantly the acheivements of men in terms of jobs, invention, maintenance and championships MEN ARE BETTER DRIVERS,

you seem to be bogged down about this car insurance issue = better driving. Well news for you mate, teachers pay cheaper insurance then doctors who pay less the medical students who pay more then lawyers! are you saying teachers are better drivers then doctors because of insurace price or better then lawyers? HAHAH LOL do u see your lack of prior logic? Old women pay more for car insurance then old men! are old men better then women? Women pay more for health insurance so does that mean they are unhealtheir then men? Red and blue cars are more likely to be stolen? why? because red and blue are the worst cars no simply because red and blue are the most popular cars in the UK. red sports cars are most likely to be caight speeding? are red cars worse no! more high performance cars are red, and people who tend to drive red cars are often the "wow look at my red porsche types". Women get lower annuties does that mean old women are not worth it? NO of course not. to end this argument once and for all:

INSURANCE COST = TOTAL PREMIUMS BY YOUR GROUP/CLASS (divided by) NUMBER OF PEOPLE IN YOUR CLASS simple as that nothing to do with who is better IT DOESN'T EVEN HAVE TO DO WITH WHO CRASHES MORE - as (Churchill's analysis of male and female driving records also shows that over a lifetime women are likely to have more accidents, an average of 9.5, compared to 8.2 for men. But in terms of the cost to insurers, women's crashes tend to be at lower speeds and less expensive SO IN INSURANCE EYES THEY ARE BETTER RISK

so lets look at this formula for insurance:

men have entirely different patterns of driving, they are much less likey to travel with children so dont drive as slow, they have more powerful, expensive and higher spec cars, they have 74% more milage and there is nearly 3 million more male drivers. 82% of men compared to only 61% of female drive. Women have much shorter journeys and less milage and are more likely to take children. Men drive much more frequently after 10pm then women and this is THE DRIIVING KILL FIELD TIME when most of these deaths, accidents happen COMPARING FIGURES IS LIKE APPLES AND GRAPES!!

The main factors in what determines male insurance prices:

1) Men get paid more - 2006 men got paid 17% more then women (£6000/year more which in senior positions rose t £42000) and please dont bring up the sexism issue here (do that in anoother thread), men get paid more because they work more and work in harder and more dangerous jobs and for crap loads more not simply because they were men (if women got paid less simply for being men then dont you think all the companies would fire men to save money?)

2) Because of this men own more cars then women and also more liscences (possiblly due to work habits too?) only 61% of females compared to 82% of males have a liscene and men have a whopping 74% more milage then women. (this is rapidly chaning as more women are driving which will lead to mroe crashes). As a result many women are simply second drivers on mens cars so their crashes are given to mens policies.

3) Simply because men have more cars and more milage they are more likely to have their cars stolen, vandilised or be the victim of hit and runs, and insurance scams simply because there are more male cars.

4) As a result of this more policies are in mens names so regardless of who crashes the policy owner (the male is more likely to pay). However this is RAPIDLY changing in the past decade alone there has been a one third increase in the number of female policies. And this will come to bite women on the *** badly, as more women get their own policies more women will have to claim. And more men will be second drivers on womens cars so will result in more claims by women. This is the opposite case currently with men - many women wives, daughters are second drivers on mens polocies but now the opposite will start to happen.

5) there are significantly fewer young female drivers then men and women on average pass later on (and look at above posts to see poor female pass rates!) young drivers = more crashes, ONCE AGAIN This is rapidly changing.

6) Men drive larger engine sizes and better specs of cars. There is the issue of men getting paid more but in general this is also down to gender differences, women spend more on hair products then men (nothing to do with income) so it could be down to the fact men just want better and faster cars.

7) As a result of this men claims cost much more then womens, as their cars are more expensice, harder to source and find repairs for.

8) On the extreme end of this men are MUCH more likely to drive high performance cars, modified cars and super/hyper cars. Typical super car companies are over 90% male. How many females do you know you OWN a ferrari, lambo, porsche. The only sports cars women have are lower grade "faux" sports cars like the audi tt or low level porsches.

Obviously you can see the nightmare for insurers, when a $.1.5 million Ferrari Enzo or $1 Mclaren F1 crashes can't you? Many of the speeding offences and deaths on roads are from high performance, modiefied or supercars which obviously men own infintely more times then women (espeically in the very high end bugattis, aeros, ultimate range ferraris or lambos simply because men like these cars just like women like makeup and also cos men earn more.

Finally as i said men have completly different driving habits such as not taking kids, more milage, longer journies, more expensive cars bigger cars etc. as I have shown with driving stats and the pass rates (see previous posts) Men have better driving skills and on the extreme scale this results in men and men only winning fomula 1,2,3, gp2, lemans, rallying, stunt driving etc. YOU WONT SEE MANY WOMEN TRYING TO QUICKLY DO THAT THREE POINT turn on the main road or drive 150 miles down a country lane - simply becase THEY ARE NOT CONFIDENT ENOUGH IN THE OWN SKILLS TO DO SO!! and yes partly because they are more likely to have children passengers, eldrely.