Cheap car insurance for female drivers - why?
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.
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 very interested to hear the views of other people on this matter.
By: Annoyed Man
Comments from visitors
They say womens accidents are generally cheaper that is because they claim for every little scratch, if a man claims it will be because the car is a write off.
if there is 200 womens claims for a scratch on the bonnet and 200 mans claims for a written off car how can you compare the two? the womens claims are bound to be cheaper
if there is 200 womens claims for a scratch on the bonnet and 200 mans claims for a written off car how can you compare the two? the womens claims are bound to be cheaper
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http://tinyurl.com/gripe-insurance
This article explains how change may soon come, but in reality the changes won't be dramatic.
This article explains how change may soon come, but in reality the changes won't be dramatic.
-5
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I think you will find 'Alf Red' (an amusing pun I must say) that some young ladies, or perhaps more accurately, 'young women' because there are very few true ladies these days, are subject to the pernicious influence of that awful concept 'equality'.
Further, they often emulate many of the less pleasant characteristics of the young male driver; aggression, impatience, intolerance of other's mistakes and affect a generally loutish behaviour.
The fact that these creatures are granted lower insurance premiums is to be deplored.
Further, they often emulate many of the less pleasant characteristics of the young male driver; aggression, impatience, intolerance of other's mistakes and affect a generally loutish behaviour.
The fact that these creatures are granted lower insurance premiums is to be deplored.
-11
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What has happened to young women drivers these days? Ladies always used to be careful when behind the wheel of a car and drove consistently well, but these days I've noticed a change in the way some women drive. I've seen some women drivers display all the worst habits of mostly young male drivers - speeding, tailgating and lots of unusual hand signals.
Two months ago, I was leaving a 30mph limit and had accelerated, when a car driven by a young woman pulled out in front of me. I eased off the throttle and let my cars momentum carry me forward. This girl didn't accelerate and my momentum carried me forward to within about 6 car lengths of her car before I had to brake. Then she completely lost it, braking hard, hand out of the window and two fingers up and in a total rage. Yesterday, I approached a mini roundabout and stopped to let a big lorry through that had already entered the roundabout from my left. I let him move then went round the roundabout behind him and was nearly rammed by a young woman whe had completely cut out the roundabout altogether. I stopped and looked at her in disbelief and she went mental, tooting the horn, shounting and giving me the two fingers. What on earth has happened to lady drivers?
Two months ago, I was leaving a 30mph limit and had accelerated, when a car driven by a young woman pulled out in front of me. I eased off the throttle and let my cars momentum carry me forward. This girl didn't accelerate and my momentum carried me forward to within about 6 car lengths of her car before I had to brake. Then she completely lost it, braking hard, hand out of the window and two fingers up and in a total rage. Yesterday, I approached a mini roundabout and stopped to let a big lorry through that had already entered the roundabout from my left. I let him move then went round the roundabout behind him and was nearly rammed by a young woman whe had completely cut out the roundabout altogether. I stopped and looked at her in disbelief and she went mental, tooting the horn, shounting and giving me the two fingers. What on earth has happened to lady drivers?
+3
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I have a pecker, I am therefore paying 2x as much as a 17 year old sports car driving girl who just wants to have fun fun and parteee parteee and Party, booze, drugs, makeup, makeup mirrors.....clatter...bang....that man over there it was his fault...he didit...
+7
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It is pretty unfair, and I'm sorry it is, male drivers and female drivers obviously have to start at different places, as the statistics do claim that young men are worse than young women when it comes to driving, so it would be common sense for an 18 year old woman and an 18 year old man, would pay different premiums before they build up a history, what isn't fair is this bias continues for a long long time.
I'm a 29 year old male driver, I've been driving since 1999, I have 7 years no claims (prior to that I was a named driver so built up no no claims bonus), I have had 0 crashes, 0 points, 0 claims in my entire driving career, my current premium is just short of £1000 (1.8 petrol automatic Honda Civic), my sister, 18 months younger than me, is in a similar card (Audi A4) has had a crash, has 6 points and her premium is nearly £300 less than mine, it's situations like this that make you throw your hands up in the air and want to scream.
I'm a 29 year old male driver, I've been driving since 1999, I have 7 years no claims (prior to that I was a named driver so built up no no claims bonus), I have had 0 crashes, 0 points, 0 claims in my entire driving career, my current premium is just short of £1000 (1.8 petrol automatic Honda Civic), my sister, 18 months younger than me, is in a similar card (Audi A4) has had a crash, has 6 points and her premium is nearly £300 less than mine, it's situations like this that make you throw your hands up in the air and want to scream.
-4
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Guys, women have fewer serious accidents than men do. That is why they get cheaper insurance. Insurance companies are like banks, they give nothing away for free! Get over it.
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yet another anon - 9-Oct-10 11:11
I agree not being sexist but the sayings true women cannot drive
-10
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grumpyoldwoman
I stand corrected. I was irritated by his calm assumption of male superiority and shot off a quick reply without thinking.
You are right in what you say and I also, of course, agree with the rest of your post. Two good points, well expressed.
I stand corrected. I was irritated by his calm assumption of male superiority and shot off a quick reply without thinking.
You are right in what you say and I also, of course, agree with the rest of your post. Two good points, well expressed.
+6
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anonymous (15th, 20:06), this is nonsense; "Your little story took a long time in the telling which seems to indicate you spent a long time watching her when you should have been watching the road!"
It's possible to take in a complicated situation visually in a split second, indeed we do it all the time. It nearly always takes much longer to describe what you saw than it did to see it in the first place.
Graham was sensible to keep half an eye on her, at least until he was well past, as she was an accident waiting to happen and a split second of warning may have saved his life.
I don't however agree with Graham on this one though; "any male driver would have driven down hard shoulder building up a bit of speed, indicating and enter traffic safely."
The word "male" needs to be changed to "good"! I would certainly have got up speed on the hard shoulder, but I suspect there are probably some male drivers who would do the same as this woman did.
It's possible to take in a complicated situation visually in a split second, indeed we do it all the time. It nearly always takes much longer to describe what you saw than it did to see it in the first place.
Graham was sensible to keep half an eye on her, at least until he was well past, as she was an accident waiting to happen and a split second of warning may have saved his life.
I don't however agree with Graham on this one though; "any male driver would have driven down hard shoulder building up a bit of speed, indicating and enter traffic safely."
The word "male" needs to be changed to "good"! I would certainly have got up speed on the hard shoulder, but I suspect there are probably some male drivers who would do the same as this woman did.
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grumpyoldwoman - 16-Sep-10 14:25
Women get cheaper insurance simply because they have fewer serious accidents. Nothing more sinister than that but it just burns you up and you cannot accept the truth. It is number crunching.
For example, 93% of convicted drink drivers in 2003 were male. Puts women's little parking problem into perspective doesn't it?
Only you by the way, and we both know who this is, could bring divorce into a gripe about car insurance.
For example, 93% of convicted drink drivers in 2003 were male. Puts women's little parking problem into perspective doesn't it?
Only you by the way, and we both know who this is, could bring divorce into a gripe about car insurance.
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pants on fire - 16-Sep-10 00:27
Graham Stevens
Your little story took a long time in the telling which seems to indicate you spent a long time watching her when you should have been watching the road! According to research men are more easily visually distracted. They are also more aggressive and more likely to drive when drunk.
Men cause more accidents than women. (See above).
Research shows only one are in which women are poorer drivers - the old chestnut about parking appears to be true. Men are better - in general as individuals will always differ - at parking.
Insurance companies would not offer cheaper insurance to women if the facts and figures did not back it up. They are in business to make money not to promote feminism.
Your little story took a long time in the telling which seems to indicate you spent a long time watching her when you should have been watching the road! According to research men are more easily visually distracted. They are also more aggressive and more likely to drive when drunk.
Men cause more accidents than women. (See above).
Research shows only one are in which women are poorer drivers - the old chestnut about parking appears to be true. Men are better - in general as individuals will always differ - at parking.
Insurance companies would not offer cheaper insurance to women if the facts and figures did not back it up. They are in business to make money not to promote feminism.
-9
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I was amazed at a sight I saw last week. A woman driver had stopped on hard shoulder of M25 for an unknown reason. When the problem had been solved (if there ever was one) she tried to enter the traffic by pulling up to the line at an angle and indicating to pullout onto fast moving motorway as if she was leaving a parking space on a side road.
To slow down or stop for her to pull out would have been suicide, I don't know the outcome because I was driving past, but any male driver would have driven down hard shoulder building up a bit of speed, indicating and enter traffic safely.
To slow down or stop for her to pull out would have been suicide, I don't know the outcome because I was driving past, but any male driver would have driven down hard shoulder building up a bit of speed, indicating and enter traffic safely.
+7
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Graham Stevens - 15-Sep-10 19:54
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.
+7
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Stating The Obvious - 26-Aug-10 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
-8
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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.
-5
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Life sucks, get over it. - 21-Jul-10 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!
-9
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Women can't drive backwards, They can't park. They scare off easily: they're chicken.
+1
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Money Saving Tips - 20-Jul-10 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!!!!
-12
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seriously annoyed teenager :o - 20-Jul-10 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...
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