Cheap car insurance for female drivers
17-May-2008
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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 tend to destroy their cars over a period of time in a war of attrition, kerbing wheels, scraping sides, slipping clutches, misjudging parking spaces, and so on. Although these incidents are frequent, they are insignificant individually and thus not claimable. This gives rise to the perfectly logical philosophy that women have less insurance claims and are therefore a better risk. They are certainly not, in general, better drivers.
*MikeP  23-Apr-2008 17:25

 
A woman doing much less of a distance than a man and in less busy times during the day will be less likely to have an accident than a more careful male driver who drives twice as far and in all conditions such as rush hour commuting, etc. This is a combination of chance per mile which varies according to circumstances and also the distance travelled.

If the statistics were truly comparative and the way these women perform was adjusted to take into account the greater distance male drivers do as well as the hazards they encounter too, I wouldn’t be surprised if women are more likely to have an accident than men.

Being less likely to have an accident in favourable circumstances doesn’t men less likely to have an accident in similar circumstances.

A baby who cannot walk is certain of not having an accident driving a car because it wouldn’t be able to drive. Does this mean the baby is a safer driver than all motorists on the road since every motorist has at least some chance of having an accident whereas this baby’s chance is zero?
*Fair Play  23-Apr-2008 14:02

 
I used to be insured with kwik fit,until I realised just how much they were charging me! Then I found http://www.carinsurance-cheap.info/uk and saved more than I'd thought possible. Read the small print and you'll see just how much you're being charged over the odds-it's scary!
*John  23-Feb-2008 09:04

 
sheila's wheels is based on the fact that women claim less than men, thats it, Men statistically are the safer drivers (according to hospital records, insurance claims of major accidents for which both men and women claim), not women like these adverts claim. They just make less claims on insurance than men do. Men statistically are involved in less accidents.

lets also consider the average school run mum, what are the odds she will have an accident? at 20 - 30 MPH and how much would that cost? ( I know I'm getting sterio-typical here) now consider that in the same family the Male will tend to do the most driving on motorways and long distance and such and still make less claims?

most IRV qualified drivers for the Metropolitan police are Male yet 50% put on the course and test are Female.

My Dad who drove Ambulance's for 15 Years, has been driving on the Road for nearly 24 years now has never been in one accident, yet My mother has had 2 crashes in the last year, it is cheaper for her on Shelia's wheels than for dad on any insurer, which is really screwed. I think Shelia's wheels relies on more women switching over to it to save a bit of money and them making less claims to make more money.
*daniel  02-Feb-2008 00:08

 
to prove my women should be banned look at these clips

http://www.youtube.com/watch?v=UpXQUyzficY&feature=related
http://www.youtube.com/watch?v=7RMLt28n0-M&feature=related
http://www.youtube.com/watch?v=hFiNXII6dU8&feature=related
http://www.youtube.com/watch?v=ASqdr8cMyjI&feature=related
http://www.youtube.com/watch?v=rUr4XMfqjlA&feature=related
http://www.youtube.com/watch?v=rK6mughvEfY&feature=related
http://www.youtube.com/watch?v=MhMKGtRM8gM&feature=related
http://www.youtube.com/watch?v=RgoEn-qv6As&feature=related
http://www.youtube.com/watch?v=d_0bEHJY9oo&feature=related
http://www.youtube.com/watch?v=pMfGY9cqTCI&feature=related

what realy anours me is that my sister gets cheap insurance like these women above and she has had 4 crashes in less than a year.

there is just one more thing to add I couldent find any clips with men drivers.
*lee  29-Dec-2007 16:09

 
the best way to reduce insurance is to ban women from driving, there was some research done about this which reveled that if women were removed from the road the amount of acicidents would fall also deaths would fall. so for the safety and cost reasons ban women.
*lee  29-Dec-2007 15:40

 
I used to be insured with kwik fit,until I realised just how much they were charging me! Then I found www.cheapestcarinsurance.co.uk and saved more than I'd thought possible.Read the small print and you'll see just how much you're being charged over the odds-it's scary!
*gemma  21-Sep-2007 08:15

 
The British insurance companies system of no claim bonuses is nothing but a cartel.

Adding this difference between the sexes is probably against the law if anyone would dare to challenge them. This sexual discrimination is against all the legislation.
*Sheilagh's crash  10-Sep-2007 07:57

 
The real issue here, I believe, is how women drivers are perceived. We men complain that they are often seen applying make up at traffic lights or fiddling with their hair. They use mobile phones as instruments of gossip whilst driving and lack ability to concentrate for more than 10 seconds on one thing. They (mostly) have bumps that get in the way of seatbelts so spend a 30 minute journey trying to get comfortable and as for parking, well this involves looking behind you whilst turning a steering wheel so forget it. But..
Lets take Mr Average Man..
Often seen at traffic lights trying to get a tan on one arm hanging out of the window whilst acting like they are on pole position at Silverstone. Spends more time trying to change a CD than Mirror, Signal, Maneuver. Will happily use a phone to tell his mates that he "is out driving" whilst attempting to light a fag with one hand and eat a kit kat with the other. Sitting still is a major problem and every 10 minutes they have to lift off the seat to adjust thier tackle, either that or let one off! And if a female happens to be walking down the street, thats his attention gone for 30 seconds or so, even though they pretend not to notice. If you want to keep a blokes attention on the car in front, paint a female on it!
So it works both ways. Insurance firms and advertisers know this and play on our perceptions. I would guarantee that a lot of women get quotes off companies such as Sheilas wheels becuase the ad "says" its got the best deals for women drivers. Compare quotes with other companies and I bet that there deals wont look so great.

PS : The song on Sheilas Wheels is so bad. And the Aussie man in the pink dress makes me feel ill. And... whos idea was it to run a competition that members of the public can appear in the ad. Looked like a advert for mingers.com in the end.
*Angrydadcalledray  18-Aug-2007 14:14

 
Its just plain sexist but nobody seems to think about that.
*Dave  18-Aug-2007 01:48

 
Didums. Looks like toys are well and truly out of the pram. Hen pecked by any chance?

I overtake ditsy blokes on daily basis, there they are tootling along in the middle lane when the
inside lane is clear. Point it out to them and you get the middle finger, very intelligent.

You are right though we do deserve superiority, after all, we do need to overlook everything you do to make sure its done right!!
*Lady Penelope  17-Aug-2007 22:54

 
should we just ban chavs from driving and that would lower all our costs....?
*male driver  17-Aug-2007 13:12


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