Cheap car insurance for female drivers
02-September-2010
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Cheap car insurance for female drivers

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I have been driving for 15 years, never crashed a careful driver and know the difference between right and wrong.  I often wonder how many male drivers have had enough of inequality of car insurance companies favouring female drivers, often tempting them with cheaper car insurance or female oriented perks.

Yes I know the stereotypical insurance claimant is a boy racer with a Saxo worth 600 quid with 2000 quids worth of useless crap stapled to their car.  But what about the more frequent smaller accidents such as little scrapes, dents and nicks, which are if we are being honest, tend to be attributable mainly to women.  Surely these accidents put female drivers into a higher risk band?

I’m not submitting this to annoy the female drivers, because I agree that some of them are very good, but equally some are totally unable to drive a hairdryer let alone a car.  Surely instead of gender it should be on your past record more.  Just because I have a penis doesn’t make it correct for you to charge me more money to insure a car.

Cheap car insurance - female drivers safer than men?

Also why do they have these stupid adverts!  The Shelia's Wheels car insurance one really really annoys me because they are advertising this inequality.  Now if an insurance company for men had an advert expressing you had to be male to join it there would be so many complaints it would be removed within a week.  I would be interested to hear the views of other people on this matter.

By: Annoyed Man


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Women have more rights than men. Simple as that. Do you know on average white drivers have more accidents than black driver? and asian drivers have less accidents than that. If they gave asian drivers cheaper car insurance because they are asian, then everyone would go insane. But when it is against men, no one cares.
*Stating The Obvious  26-Aug-2010 12:36

 
a 17 year old girl with a pink rinse in her hair will get insurance cheaper than a 35 year old male driver with 18 years driving background, thats just the way of it, they have more rights and respect, I think its what they call femenism
*wollo  03-Aug-2010 00:29

 
I get where you're coming from as yes I do think some of the perks given to us are a bit silly. But personally I think insurance should be more like taking out a loan - they have a look at what you're like. How many times you've claimed on the insurance, was it big or small, was it YOUR fault and base it off that. It's not fair that my uncle who has only ever been in a car accident once which was because of a drunk driver and then it was a massive dent in the door but nothing more is paying more insurance on his car then my 28 year old friend that in the space of a year has written of 7 of his cars, 2 motorbikes and damaged the car numerous times like smashing the door off because he drove off with the door open.
*Life sucks, get over it.  21-Jul-2010 13:11

 
I am 24year old female, been driving for 2 years. No accidents. Partners lad 18yrs old been driving 6 WEEKS(!!!!!) has had 3 accidents- all of his fault. Now expalin to me why I should NOT pay less than him?! I dont agree with the cost of insuring lads cars but thats life. And by the way, when I got my first car... a teeny weeny engined run around the insurance was £2000, so dont tell me that its young lads insurance thats sky high!
*gal driver  21-Jul-2010 10:57

 
Women can't drive backwards, They can't park. They scare off easily: they're chicken.
*Money Saving Tips  20-Jul-2010 04:47

 
Totally agree im 17 and can afford a car but not insurence WTF?!?! they want us to drive uninsured or what?.. I see my female friends driving about but I only have 2 male friends that can drive legally and there rich :o what about me :'( I have dreamed about driving from an early age and I cant even afford to drive now!!!!
*seriously annoyed teenager :o  20-Jul-2010 01:12

 
if it were cheap insurance for men, it would be stopped very quickly by the government and court judges, and millions of female drivers would get compensation and insurance for the price of a pair of cheap shoes, men, the worker ants, well they are supposedly dumb anyway so they will just have to work harder and save harder for a car and insuarance, wait a minute I think women do actually get car insuarance for the price of a half decent pair of trainers.....the men get car insurance for the price of another decent secondhand car...
*waho waho  30-Apr-2010 22:30

 
as a good woman driver I'm highly offended by this but I guess thats the point of this gripe. Who says women are twice as likely to bump or scrape their car, who bollocks. Surely it more a case of driving skills rather than sex. I know awful male drives but also know awful female drivers
*fairly_odd  24-Mar-2010 18:50

 
Women shouldn't be aloud behind the weel.then cover would be cheaper for all.
*Dez  28-Jan-2010 06:45

 
I don't know about the rights or wrongs of this particular gripe but thanks to 'Dave' for drawing my notice - in particular my attention was captured by the photograph attached to the gripe.

Quite brightened my day it did!
*Manx Hound  22-Dec-2009 17:04

 
Im fed up with this also. This women get cheaper car insuarnce because they are better drivers.
I work in th industry so I know what im talking about - and I will tell you some truths about
all this.

1. Women drive less miles than men
2. Women drive less expensive cars than men
3. Women drive more slowly than men
4. Women are less likely to be professional drivers (trucks, buses, taxis, chaffeurs, pursuit drivers, rally drivers etc)
5. Women tend to avoid driving in the dark and in poor weather conditions
6. Women tend to avoid back roads and lanes (where alot of accidents occur)
7. Women tend not to do the driving when towing (i.e caravans, boats, gliders etc)

The insurance company knows all this, so even although women are almost TWICE as likely to have an
accident, they tend to be much cheaper adn less serious "low impact crashes".

Now must people know all this - what they might not know is insurance companies know women, once they
have taken up a policy, will tend to stick with that insurance provider for a long time. They are
offererd cheaper policies up front but tend to pay MORE over the lifespan of their time with that
policy provider due to:

1. Frequest loss of No Claims Bonus for a minor scrapes
2. More likely to pay up without a fight
3. Less likely to shop around (once policy is purchased)
4. Less likely to query a small rise in premium
5. More likely to pay a higher Excess in the first instance

Now, us men know all this and can work it out quite easily - still if it keeps women happy...
*Dave  22-Dec-2009 16:01

 
If women have less acidents, then it is only fair that they should pay less in my view,

But I am nearly 50, and run a couple of old Volvo 940 estates, hardly a boy racer, and I can only drive one at a time, no other drivers, only six thousand a year conbined, no claims against me since driving (1986), together these cars would be lucky to sell for £500-00,

Then why £500-00 car insurance a year? is this a cartel? there must be thousands of wasterers in thousands of insurance offices, living off this "compulsory tax" I see thousands of cars on the road, I don't see that many crashes, I have done the sums, I know where most of the cash goes.
*Gainsborough lad.  20-Dec-2009 20:17


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