Young women could face big increases in the cost of car insurance

[Trav Le Bleu]

The way I see it, this will only lead to more uninsured drivers on the road.

[Matt]

Yeah about right really, if there was a difference in price based on Race, Age (Which someone has said they might be looking at), Beliefs, Sexuality, e.t.c, or if the shoe was on the other foot and women were paying more it would have been changed years ago.

Statistics don't lie, Young men probably are more at risk, blah blah blah, but you can shove your statisics and facts where the sun don't shine, it's not politically correct, something that everything, even the most silliest of things must be nowadays.

[ajthefox]

Yeah about right really, if there was a difference in price based on Race, Age (Which someone has said they might be looking at), Beliefs, Sexuality, e.t.c, or if the shoe was on the other foot and women were paying more it would have been changed years ago.

Statistics don't lie, Young men probably are more at risk, blah blah blah, but you can shove your statisics and facts where the sun don't shine, it's not politically correct, something that everything, even the most silliest of things must be nowadays.

So you'll be happy when you're 80 and several years claim free being charged the same as a 17 year old who's just passed and has premiums that are sky high?

[Matt]

So you'll be happy when you're 80 and several years claim free being charged the same as a 17 year old who's just passed and has premiums that are sky high?

Woah, woah, woah.

Where have I said i'd be happy?

I've just said compared to everything else - Race, Beliefs, Sexuality, if it was based on any of those things it would have been changed years ago I threw age in there because someone who has posted above me said they are talking about that basis aswell now.

Will I be happy when i'm 80 and i'm being charged the same as a 17 year old who's just passed and has premiums that are sky high?

I doubt i'll still be alive, but arguably 80 year olds should be charged a fair whack - I'd say they are quite high risk and quite dangerous on the road, with risk of being accused of generalising therefore will say I find many older drivers on the road very dangerous and very high threat to causing incidents on the road.

[ajthefox]

Woah, woah, woah.

Where have I said i'd be happy?

I've just said compared to everything else - Race, Beliefs, Sexuality, if it was based on any of those things it would have been changed years ago I threw age in there because someone who has posted above me said they are talking about that basis aswell now.

Will I be happy when i'm 80 and i'm being charged the same as a 17 year old who's just passed and has premiums that are sky high?

I doubt i'll still be alive, but arguably 80 year olds should be charged a fair whack - I'd say they are quite high risk and quite dangerous on the road, with risk of being accused of generalising therefore will say I find many older drivers on the road very dangerous and very high threat to causing incidents on the road.

Ok maybe not happy but you said it was about right that the men and women part should be implemented, it's the same situation with age.

I don't want to be paying premiums for a boy racer when I'm old and so I don't think women should pay the same as men when they clearly are in less crashes.

[Matt]

Ok maybe not happy but you said it was about right that the men and women part should be implemented, it's the same situation with age.

I don't want to be paying premiums for a boy racer when I'm old and so I don't think women should pay the same as men when they clearly are in less crashes.

"I don't want..."

Sorry to break it to you, but in life you don't always get what you want, It's tough, but get on with it.

And I said it's about right basing it that nowadays if it singles a person, group of people out, e.t.c it has to change due to political correctness, no matter what facts, statistics say things shouldn't be changed.

[Haydos]

Tbf if the shoe was on the other foot and men were getting cheaper car insurance than women it would have been banned years ago, and nobody on here would have dared to complain.

If we were statistically the safer drivers then I'd be pretty pissed if we didn't get cheaper rates whereas older people will.

And it's not really discrimination, it's relevant. There is not a statistically better gender of bar staff so it's discrimination in employment but the driving business is just common sense.

[orangecity23]

Whether or not you're a safe driver or not has absolutely bugger all to do with the shape of your genitals. It's solely down to your own personality, judgement and reflexes. Half the time now, when someone is driving right up your backside it's a woman, there are plenty of shit drivers around from both sexes.

Statistics show correlation, not causation. If stats showed more red cars are involved in accidents, would anyone be happy to pay more because of the colour of paint on your car?

Premiums should be based solely on your experience (and NOT your age - a 50 year old new driver shouldn't be paying less than a 20 year old new driver), and your past claiming record. Then after that it should come down to the type of car you've bought.

Rant over. My insurance is ludicrously expensive, and I'm not happy about it

Although, I don't expect anyones insurance will get cheaper, as the Insurance industry is a bunch of money grabbing wankbags, who will just use it as an excuse to fleece women in the way they've been fleecing men for years.

[AoWW]

Statistics don't lie, Young men probably are more at a higher risk

That's better.

[Zingari]

That's better.

will it affect lady truckers insurance badly AOWW ?

[AoWW]

will it affect lady truckers insurance badly AOWW ?

Insurance? Hmm... sounds vaguely familiar.... remind me.....

[Jackirius]

That's better.

I know that statistics generally point in the way that young male drivers are a lot more likely to have an incident, but i don't know if that statistic is a bit out dated. I'm not sure if it is just the area in which i live in but me and my friends don't piss about in cars, we know the dangers, and i know plenty more girls than i do guys at my age that have had to claim on insurance through crashes and bumps that they have had. Insurance company's and other organisations seem to have a generalization that all 17/18/19 year old boys will be 'Boy Racers' and act like pri*cks whilst in cars, for where i live i know that that is wrong. I will be looking at around £2000 (not on 2nd/3rd party) odd to insure my first car which is insanely high.

[Zingari]

Insurance? Hmm... sounds vaguely familiar.... remind me.....

I don't bother with it either ,

a gipsy vanner and 20 foot trailer is hardly likely to be involved in a crash, is it ?

[Nationwider]

Gender equality for insurance has been on the cards for years now, and it was always going to happen one day. It was a very specific test case and it doesn't set a precedent - it doesn't mean that age equality in pricing insurance is round the corner.

[The Doctor]

I know that statistics generally point in the way that young male drivers are a lot more likely to have an incident, but i don't know if that statistic is a bit out dated. I'm not sure if it is just the area in which i live in but me and my friends don't piss about in cars, we know the dangers, and i know plenty more girls than i do guys at my age that have had to claim on insurance through crashes and bumps that they have had. Insurance company's and other organisations seem to have a generalization that all 17/18/19 year old boys will be 'Boy Racers' and act like pri*cks whilst in cars, for where i live i know that that is wrong. I will be looking at around £2000 (not on 2nd/3rd party) odd to insure my first car which is insanely high.

get yourself a monster truck - no need for insurance in that, if you have a crash you'll just crush whatever you hit and go on without a dent.

in all seriousness although it is an unfair generalization there are those sorts of people out there and so because the insurance companies can't determine how much of a risk each individual person will be (at least not if they want to sort applications and what not out in a reasonable time period) they have to generalize and we end up paying the price because of it. Like most other times in life the actions of the minority cause the majority to be punished.

[Haydos]

Whether or not you're a safe driver or not has absolutely bugger all to do with the shape of your genitals. It's solely down to your own personality, judgement and reflexes. Half the time now, when someone is driving right up your backside it's a woman, there are plenty of shit drivers around from both sexes.

Statistics show correlation, not causation. If stats showed more red cars are involved in accidents, would anyone be happy to pay more because of the colour of paint on your car?

Premiums should be based solely on your experience (and NOT your age - a 50 year old new driver shouldn't be paying less than a 20 year old new driver), and your past claiming record. Then after that it should come down to the type of car you've bought.

Rant over. My insurance is ludicrously expensive, and I'm not happy about it

Although, I don't expect anyones insurance will get cheaper, as the Insurance industry is a bunch of money grabbing wankbags, who will just use it as an excuse to fleece women in the way they've been fleecing men for years.

So you're arguing the use of statistics in anything universally? They don't lie. I know they're favourable to women but I'd be interested to know some actual specifics tbh.

Your point you've made about gender not affecting whether you're safe or not is moot. Maybe it shouldn't affect that but it does. Men drive faster, they just do. Since I left 6th form a few years ago I don't think I've heard of literally one girl (friend or otherwise) who has been in an accident. 4 males have died. All under the age of 21. I'm a guy, I crashed a couple of years ago. I was in an accident at Christmas, my male friend was driving.

I understand what you're saying but in reality it's just not the case. Males may be 'better' drivers, I think they. But they drive faster, don't concentrate and take more risks than women.

[broughtonblue]

Good, they want equality!

[orangecity23]

So you're arguing the use of statistics in anything universally? They don't lie. I know they're favourable to women but I'd be interested to know some actual specifics tbh.

Your point you've made about gender not affecting whether you're safe or not is moot. Maybe it shouldn't affect that but it does. Men drive faster, they just do. Since I left 6th form a few years ago I don't think I've heard of literally one girl (friend or otherwise) who has been in an accident. 4 males have died. All under the age of 21. I'm a guy, I crashed a couple of years ago. I was in an accident at Christmas, my male friend was driving.

I understand what you're saying but in reality it's just not the case. Males may be 'better' drivers, I think they. But they drive faster, don't concentrate and take more risks than women.

Stats don't lie because they're just data. It's when you interpret them you ascribe meaning to them. You can create plenty of contradictory statements by looking at the same set of data.

I don't dispute that the youngest of male drivers are more reckless than women. But for drivers who are in their mid 20s and above? I'd be highly interested to see some stats comparing men and women older drivers, where they are segregated by the mileages they cover in a year. I'd bet that the more often you drive, the more likely you are to have an accident. Men having more accidents than women could also be tied to the stat that men drive more, on average, than women.

[Haydos]

Stats don't lie because they're just data. It's when you interpret them you ascribe meaning to them. You can create plenty of contradictory statements by looking at the same set of data.

I don't dispute that the youngest of male drivers are more reckless than women. But for drivers who are in their mid 20s and above? I'd be highly interested to see some stats comparing men and women older drivers, where they are segregated by the mileages they cover in a year. I'd bet that the more often you drive, the more likely you are to have an accident. Men having more accidents than women could also be tied to the stat that men drive more, on average, than women.

Yeah obviously it would have to be calculated per <time spent driving>.

What you say about more experienced drivers is probably true and I might have to backtrack a little here. I'm not too sure of the drop in quote from 25 years up to say 50 years. From experience with a few older friends they've said that once they've been driving for a while and around the age of 25 their premium has significantly dropped even from when they were 20ish.

This is my view and why I feel it's a bit unfair on females. I'm younger so my view is a bit biased. If you could enlighten me on the difference in premium between average 40 year old males and females (Or similar) then I might have a different outlook.

It would probably more sensible if it was calculated with more validity regarding amount of accidents/gender/age etc.

[Bob Weasel Fox]

Women hey? errm they have a right bee in their bonnets (obviously their very expensively insured bonnets)

[potter3]

I always thought that women made more claims but men were involved in much more serious accidents.

[Zingari]

I'm not going to dress up as a woman anymore when i go to renew my car insurance then

[Bellend Sebastian]

They were having an interesting chat about this on breakfast news this morning and some bloke from AA Insurance or somewhere was saying that we might see more technology being utilised as a result - the old 'black box' stuff in your car that will relay to an insurer exactly how you drive so that they can determine how much of a risk you actually are. I think it's Aviva that did a trial of offering cheaper insurance to youngsters if they agreed not to drive late at night etc and they put a box in your car to keep a record of whether they were sticking to it. Maybe they actually offer this now, I dunno.

The bloke in my office that drives a 182 bhp Clio has already said he doesn't like the idea of this. I wonder why?

[Zingari]

They were having an interesting chat about this on breakfast news this morning and some bloke from AA Insurance or somewhere was saying that we might see more technology being utilised as a result - the old 'black box' stuff in your car that will relay to an insurer exactly how you drive so that they can determine how much of a risk you actually are. I think it's Aviva that did a trial of offering cheaper insurance to youngsters if they agreed not to drive late at night etc and they put a box in your car to keep a record of whether they were sticking to it. Maybe they actually offer this now, I dunno.

The bloke in my office that drives a 182 bhp Clio has already said he doesn't like the idea of this. I wonder why?

i had on of those a couple of years ago . it doubled up as a sat nav , and i was allowed to drive a certain no. of miles a week but theAA stopped doing it about half way through the year saying it was too costly for them.

maybe it will make a comeback now though

[samjohnson]

Good! They should be in the kitchen anyway, not driving. They should be made to pay for going against the status quo