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Cheap car insurance for female drivers - why?

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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?

Cheap car insurance - female drivers safer than men? 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 my reproductive parts on the outside, it 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


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First Prev Page 1 of 7 Next Last

Micky

Micky

Well annoyed driver I'm a man who hasn't had an accident in 32 years of driving. So I should also have low insurance. And guess what I do...

Fully comp at 98 pounds a year.
Micky
9th Jun 14 09:13

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 Annoyed driver

Annoyed driver

I'm a female driver, an excellent one. One accident in 12 years. Yet mine is still so high! I'm not with a female insurance company because I found cheaper car insurance elsewhere but I kind of agree with you. It should be based on how good a driver you are. By the way men can join those female car insurances. It works by having a black box fitted to your car to see if you "drive like a girl" aka carefully. And I do think women drive more careful. You always see boy racer types but never women carelessly speeding.
Annoyed driver
9th Jun 14 02:47

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Joe from Splott

Joe from Splott

The law is set to change in November or february, when females will have to pay even less, the jobless will pay double for insurance on their mobility cars or they may be seized and crushed. Single mothers will be offered a bedroom tax rebate for up to three bedrooms and one dining room, cloakroom and outside privvy. This rebate will be offered in the form of food vouchers, keith redeemable in Tescos or Asda only.
Joe from Splott
18th Jul 13 13:30

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Mike

Mike

coz women don't watch Formula One! Simple!
lol
Mike
17th Jul 13 16:40

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-7
John R.

John R.

I don't think this is the case any more, I heard the law was changed. The insurance companies are no longer allowed to base the cost of the insurance on the gender of the person claiming.
John R.
5th May 13 17:04

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-3
cheese

cheese

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
cheese
26th Jul 11 13:52

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-23
MikeP

MikeP

http://tinyurl.com/gripe-insurance

This article explains how change may soon come, but in reality the changes won't be dramatic.
MikeP
29th Jan 11 12:26

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-15
Congo

Congo

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.
Congo
22nd Dec 10 17:02

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-25
Alf Red

Alf Red

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?
Alf Red
22nd Dec 10 11:40

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-11
wooooooop

wooooooop

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...
wooooooop
16th Dec 10 06:20

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Ash

Ash

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.
Ash
23rd Oct 10 12:21

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-6
yet another anon

yet another anon

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.
yet another anon
9th Oct 10 11:11

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12
ryan

ryan

I agree not being sexist but the sayings true women cannot drive
ryan
9th Oct 10 10:26

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-18
anonymous

anonymous

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.
anonymous
16th Sep 10 14:56

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2
grumpyoldwoman

grumpyoldwoman

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.
grumpyoldwoman
16th Sep 10 14:25

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