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

[orangecity23]

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.

Not got a clue what quotes are like for 40 year olds, I've only heard hearsay on messageboards and the like claiming its more expensive for men still. I've only just turned 25 so I've no personal input.

Although I wouldn't be surprised if they hit a plateau at some point, Insurance won't get much less than £300 for a year once you've got so many years no claims, I

think it'll probably be the case that women will get to the minimum price quicker than men.

Just found this graph from the AA. It shows the recent price increases for men and women of various ages, unfortunately I can't find a graph of actual averages prices, but it seems in the last quarter, older men have been hit with bigger rises than older women. Also though, shows that younger women have been hit with a bigger percentage increase than young men though.

[Number 6]

Women get screwed over on car insurance, men get screwed over on pensions. No-one wins.

Insurers will have ways round it. For example, if you are renewing, they'll know what you were charged last year and can ensure you see no great shock. It'll hit the new women drivers worst.

[orangecity23]

Just found out my insurance would be £150 cheaper if I was a woman. Same car, same job, same 3 points from 3 years ago (bloody camera on St Margrets Way, I slowed down for it, and it stayed green, so I carried on and it ninja'd me with a 1 second green to red). Same accident when some goon drove into the back of me while I was waiting at a red light (Settled as his fault).

A thought occurs - if a man crashes into a man, does it count as two accidents 'involving men' or just 1 accident caused by 1 man?

[DB11]

Well in my experience, young women are more at risk from not paying attention and more likely to crash, as well as braking harshly in certain circumstances through lack of confidence (eg. a car approaches a junction and they brake in case it pulls out on them, well, they've got to give way. NB: I don't mean slow down, I mean brake harshly)

[DB11]

A thought occurs - if a man crashes into a man, does it count as two accidents 'involving men' or just 1 accident caused by 1 man?

Well it's only going to be one person's insurance that's claimed on, so one man, surely.

[Webbo]

My sister has to be the worse driver I've ever seen. She managed to write off 2 cars (not her own) on a carpark.

[ajthefox]

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?

Interesting but surely you need some kind of context otherwise it could be a little misleading.