Is it fair that women get cheaper car insurance?

[Matt10k]

If a survey was conducted that found white people were safer drivers than black people, would they also get cheaper insurance or would this be deemed racist? I am pretty certain it would be deemed racist, so why are insurance companies allowed to be sexist?

Just because my group have more accidents statistically, doesn’t mean I should be punished because there is no evidence that I must be a worse driver just because I am male.

Why is it countries like the Netherlands make laws against unfair and sexist insurance such as this but the uk does not?

[Jackie]

Woman are known to be safer drivers.

[GiRTh]

Originally posted by jackie46
Woman are known to be safer drivers. LOL

[Mrluvaluva]

Originally posted by jackie46
Woman are known to be safer drivers.

How? Why? I'd hardly call putting your make up on in the rear view mirror safe. Would you?

[GiRTh]

Originally posted by Mrluvaluva
Originally posted by jackie46
Woman are known to be safer drivers.

How? Why? I'd hardly call putting your make up on in the rear view mirror safe. Would you? LOL

I once saw a woman reading a book while driving. Safe eh?

[Captain.Remy]

It's all about generalities I guess. Many professionals worked about that question and it's true, women are safer drivers so that can explain they got a cheaper car insurance.

[Jackie]

Originally posted by GiRTh
Originally posted by Mrluvaluva
Originally posted by jackie46
Woman are known to be safer drivers.

How? Why? I'd hardly call putting your make up on in the rear view mirror safe. Would you? LOL

I once saw a woman reading a book while driving. Safe eh?


I once saw a man fiddling with himself,safe,?

[GiRTh]

Originally posted by jackie46
Originally posted by GiRTh
Originally posted by Mrluvaluva
Originally posted by jackie46
Woman are known to be safer drivers.

How? Why? I'd hardly call putting your make up on in the rear view mirror safe. Would you? LOL

I once saw a woman reading a book while driving. Safe eh?


I once saw a man fiddling with himself,safe,? I think that was me.

[Mrluvaluva]

Lol. Isn't it sexist then?

[GiRTh]

I think statistically Women are safer, but from what I've seen I wouldn't trust those statistics.

[bananarama]

Originally posted by Matt10k
If a survey was conducted that found white people were safer drivers than black people, would they also get cheaper insurance or would this be deemed racist? I am pretty certain it would be deemed racist, so why are insurance companies allowed to be sexist?

Just because my group have more accidents statistically, doesn’t mean I should be punished because there is no evidence that I must be a worse driver just because I am male.

Why is it countries like the Netherlands make laws against unfair and sexist insurance such as this but the uk does not?

Insurance is about risk assessment and pricing accordingly. Nothing to do with being sexist. By the way I am male.

If statistics show women have less accidents then they can be deemed to be less of a risk claiming thus they get cheaper insurance...

Women do silly things in cars but men do silly things too. Like showing off when with his latest bird. like being distracted by good looking chicks while driving. Think about it men are more reckless and mind wondering than women in general which probably accounts for the statistics...

Now if you said to me women had not got a better accident statistical record then yes the insurance companies would be being sexist in offering women cheaper car insurance.

[Mrluvaluva]

Yeah but that is like saying lesbians are the safest category of drivers amongst women, so their car insurance should be even cheaper. It's all a bit of a generalisation surely?

[Jackie]

Originally posted by GiRTh
Originally posted by jackie46
Originally posted by GiRTh
Originally posted by Mrluvaluva
Originally posted by jackie46
Woman are known to be safer drivers.

How? Why? I'd hardly call putting your make up on in the rear view mirror safe. Would you? LOL

I once saw a woman reading a book while driving. Safe eh?


I once saw a man fiddling with himself,safe,? I think that was me.

Yeah it didn't come to anything:tongue:

[Captain.Remy]

Message original : Mrluvaluva
Yeah but that is like saying lesbians are the safest category of drivers amongst womwn, so their car insurance should be even cheaper. It's all a bit of a generalisation surely?

The insurances are all about generalities at all. It doesn't even susprise me to read that.

[GiRTh]

Originally posted by bananarama
Think about it men are more reckless and mind wondering than women in general ...LOL

[Ron21]

Deleted by author.

[Mrluvaluva]

Originally posted by Captain.Remy

The insurances are all about generalities at all. It doesn't even susprise me to read that.

Does that make it right though, just because it is?

[Mrluvaluva]

Originally posted by Ron21
You people are missing the point!

Read what Matt said in his opening question:

If a survey was conducted that found white people were safer drivers than black people, would they also get cheaper insurance or would this be deemed racist? I am pretty certain it would be deemed racist, so why are insurance companies allowed to be sexist?

See his question?

I do.

And the point is valid: it WOULD be seen as racist to allow one race cheaper car insurance over another!

Question answered.

But I'll go one further:

The REASON women can get away with cheaper car insurance is BECAUSE no one is OUTRAGED by the implication that men are worse drivers, and should be penalised as such!

Only when men themselves demand equality, THEN will company's, the legal system, politicians etc actually LISTEN!

No we are not. Of course it would be racist, because having a different skin colour does not affect your skills in driving an automobile. However, I don't agree that I should be penalised as men are statistically more prone to have an accident, when I am a good and careful driver in my opinion.

[GiRTh]

Originally posted by Ron21
The REASON women can get away with cheaper car insurance is BECAUSE no one is OUTRAGED by the implication that men are worse drivers, and should be penalised as such!

Only when men themselves demand equality, THEN will company's, the legal system, politicians etc actually LISTEN! I dont think there is an implication. The reasons for the cheaper policies are based on some rather dodgy statistics. Also, the female driver demographic is highly desirable to the insurance companies.

Men demand equality. I dont understand. Do you think men are being marginalised? How so?

[Mrluvaluva]

Is this about men being opressed?

[bananarama]

If one race turned out to be genuinly safer than another then no it would not be racism (Or should not be regarded as) it would be commercial judgment of the insurance world.....

[GiRTh]

Originally posted by bananarama
If one race turned out to be genuinly safer than another then no it would not be racism (Or should not be regarded as) it would be commercial judgment of the insurance world..... Agreed. I wouldn't have problem if there were stats to match the judgement. It seems that any advantage that is given to any section of the community somone somewhere tries to claim it's discrimination.

[Captain.Remy]

Message original : Mrluvaluva
Originally posted by Captain.Remy

The insurances are all about generalities at all. It doesn't even susprise me to read that.

Does that make it right though, just because it is?

Of course not, we should be equal on this point but as you know, the insurances don't want to take any risk so we can't do really anything at all.

[Matt10k]

Thank you Ron21! all the people saying ‘women are statistically safer’ should read my original post again! Those saying ‘but black people aren’t worse drivers’ need to learn what a ‘hypothetical question’ is. IF black people were found to be worse drivers on average, do you seriously think insurance companies are going to have the bottle to raise their premiums?!! Not a chance in hell!!

I have seen statistics showing a higher percentage of inmates in prisons being black than their percentage of the population being termed 'racist' just because they reflected negatively on black people. If you think something such as car insurance being cheaper for white people wouldn't cause massive outrage then you must be incredibly naive.

Ron raised an important point: Men being worse drivers is not seen as outrageous but other similar examples are. Why are men deemed not as important in this way? I even think if new evidence found women were worse drivers, men having cheaper insurance would cause some outrage. Men are fair game because they won’t become outraged for reasons I have stated in other posts.

As I said before, many other countries do not unfairly generalise men in this way and I think it’s about time the uk followed suit as it is clearly a sexist generalisation.

[Ron21]

Deleted by author.

[Mrluvaluva]

Maybe you are too intellectual for us mere mortals.

[GiRTh]

I cant believe some on the things written in this thread. You guys wait till the women see this thread they're going to slice of your scrotums.

The reason for the bias is due to the stas and the marketablility of women to insurance firms. Why do some people always seemt to think there are more sinister plots involved. It's laugable. And it says alot of the people who spout such out of date bigotted views.

[Matt10k]

Originally posted by GiRTh
I cant believe some on the things written in this thread. You guys wait till the women see this thread they're going to slice of your scrotums.

The reason for the bias is due to the stas and the marketablility of women to insurance firms. Why do some people always seemt to think there are more sinister plots involved. It's laugable. And it says alot of the people who spout such out of date bigotted views.

Listen to yourself; Now we are bigoted for saying it is sexist if women get cheaper insurance just like it would be deemed racist if black people got lower premiums? I am on the verge of giving up on you, I really am! You are not reading the points at all!

I also don’t understand your point that women are marketable and this is the cause of the bias? There are more male drivers- hence more men require insurance and the market is bigger. Women are marketable too of course but not any more so than men.

The reason women get cheaper insurance has already been discussed. It is nothing to do with marketability but due to the fact, evidence shows they are safer drivers which I feel is generalising me and is unfair as I know I am a safe driver. In other countries they don’t allow insurance companies to offer cheaper insurance to certain groups just because a minority of one of those groups happens to be bad at driving. I think this law should be adopted in the uk too.

I’m not sure why I’m having to explain all this again as I have already made this point…

[GiRTh]

Listen to yourself mate. If I dont see the point then tell me what it is? Perhaps you dont explain yourself too well.

Women are marketable in that the 'one careful lady owner' still implys that women, in general, will take more care of their car. That is marketable to insurance firms. Is that marginalising men? You'd probably think it is.

[Matt10k]

Originally posted by GiRTh
Listen to yourself mate. If I dont see the point then tell me what it is? Perhaps you dont explain yourself too well.

Women are marketable in that the 'one careful lady owner' still implys that women, in general, will take more care of their car. That is marketable to insurance firms. Is that marginalising men? You'd probably think it is.


I just did. Did you not understand what I said? I think I have made my points clearly, if you don't agree or understand fair enough.

Just to clarify once again though (in case you didn't see the other two times), yes I think it is unfair on men, that women get cheaper insurance because a minority of men cause a lot of accidents.

Did you know for example, that men cause more accidents but the majority of these accidents come from a minority of men that repeatedly have accidents? Think of it like repeat offenders in prisons. Would you like to be written off as a petty thief just because a small minority of men repeatedly offend? Just because you are male? Hardly fair is it?

The same goes for any group you care to mention- which is why evidence showing their were more black offenders for their proportion of the population in some prisons was deemed 'racist' because they saw how it could reflect badly on the wider population of black people.

If you take this minority of men out, the statistics for men and women regarding accidents are actually pretty similar.

In my opinion it is always unfair to generalise. I am so glad countries such as the Netherlands see it the same way. I can only hope the law is brought to the uk to stop insurance companies from generalising people in this way.

[GiRTh]

OIf course it is unfair to generalist but in the case of insurance there are monetary rerasons for the bias. As a male driver I really dont care that my premium is inflated due to a few rather reckless men drivers. It's hardly a serious debating issue. I think its simply another reason for some men to claim they're being marginalised when in fact they're not.

[Matt10k]

Originally posted by GiRTh
OIf course it is unfair to generalist but in the case of insurance there are monetary rerasons for the bias. As a male driver I really dont care that my premium is inflated due to a few rather reckless men drivers. It's hardly a serious debating issue. I think its simply another reason for some men to claim they're being marginalised when in fact they're not.


Well I am annoyed that my premium is inflated because I am male and because of a few reckless drivers as it costs more and I'm not exactly made of money. I am also annoyed that the insurance companies are allowed to charge me extra, especially when other countries have realised it is an archiac attitude and made laws prohibiting it.

So I am annoyed by it, you are not. I don't like being charged extra for things. I heard this law may eventually be passed in the uk so you could benefit from cheaper insurance though it is more likely womens premiums will be raised to match mens. Either way it is the principle- at least it then becomes fair.

Anyway, like I said we both made our points and we can't agree so lets just agree to differ or this could go on all night :bigsmile:

[Shaun]

I've heard that men can join Sheila's Wheels :conf2:

And what's stopping a company named Neil's Wheels from forming?

[Matt10k]

Originally posted by Shaun
I've heard that men can join Sheila's Wheels :conf2:

And what's stopping a company named Neil's Wheels from forming?

:joker: really? Ha, learn something everyday. They obviously, legally can't get away with selling insurance exclusively to women. I bet the women still get cheaper insurance though.

I think we should all start Neil's Wheels :bigsmile:

[Sunny_01]

But I wonder did they consider many things when coming up with their statistics about women being safer. Like how many hours are spent on the road per week? A man or woman who drives a lot of miles a week would surely be more likely at some point to have an accident of some type than someone who tootles to the shops once a week!

I think that it is a biased system, I would like to think each quote was given based on individual details and driving background.

Also can I say there seems to be a lot of full on statements about other members in this and other threads. Can we keep discussions to the subject matter rather than about each other.

[Tom]

Originally posted by Shaun
I've heard that men can join Sheila's Wheels :conf2:

And what's stopping a company named Neil's Wheels from forming?

They can. Its some boyfriends and partners policy.

Women aren't the best drivers (no its not being sexist, thats statistics as well) but women are statistically safer e.g. its more likely for a man to be speeding at 90mph than a woman.

Personally, I think the whole car insurance system is discriminatory to almost everyone and everyone should just have to pay the same price to a particular company unless they have claimed quite often before (looking into history) and going by points in license etc.

[Matt10k]

Originally posted by Sunny_01
But I wonder did they consider many things when coming up with their statistics about women being safer. Like how many hours are spent on the road per week? A man or woman who drives a lot of miles a week would surely be more likely at some point to have an accident of some type than someone who tootles to the shops once a week!

I think that it is a biased system, I would like to think each quote was given based on individual details and driving background.

Also can I say there seems to be a lot of full on statements about other members in this and other threads. Can we keep discussions to the subject matter rather than about each other.

Yes, I have wondered the same about the statistics. On average men do actually travel further and drive more often, there are also more male drivers on the road. I’m not sure if this was factored in. I think it is simply the number of claims made- i.e. the stats that all the insurance companies compile together, which considering men travel further would skew the results as it is more likely they will make more claims if they are on the road for longer, so I agree the system is biased.

I realise the easier argument is just to dismiss it off bat as sexist, even though I am not sexist at all and believe men and women should have equality. If men or women don’t have it in a particular field it annoys me. It's nice to know someone has considered another argument too :bigsmile:

[GiRTh]

Originally posted by Sunny_01Also can I say there seems to be a lot of full on statements about other members in this and other threads. Can we keep discussions to the subject matter rather than about each other. I agree. Stick to the subject matter.

The fact remains that the demographic of the 'careful lady owner' is highly desirable to the insurance companies. That in itself in the main reason for the bias in the premiums.

[Matt10k]

The fact remains that the demographic of the 'careful lady owner' is highly desirable to the insurance companies. That in itself in the main reason for the bias in the premiums. [/quote]


If you read what I said above you, you will see how this is an unfair generalisation.

[GiRTh]

Of course it unfair. No one denies that but the demographic is a desirable one. Some adverts are aimed at beer drinkers is that being prejudiced toward non beer drinkers?

[Matt10k]

Originally posted by GiRTh
Of course it unfair. No one denies that but the demographic is a desirable one. Some adverts are aimed at beer drinkers is that being prejudiced toward non beer drinkers?

That is a strange example. Anyone can choose to drink or not drink beer. I can't pretend to be female just to get lower insurance bills!

Also, I am glad that you now admit it is unfair. That's all I wanted you to admit. Maybe I misunderstood you earlier but I thought you were denying that it was an unfair generalisation and that men who complained were sexist or didn't have the right to complain.

You also said you weren't bothered that you had to pay more. For those people who do want to save money, we will just have to hope the laws banning sexual descrimination are passed in the uk. I remember seeing on the news that it was being considered.

[Abraxas]

Hi Matt :xyxwave:

Well right now in the uk only young women get cheaper insurance than young men and adult rates are generally unisex (from wiki) but theres the increasing lad culture and girl racers on the road I don't think itll be long before we catch up! Ive known a few girls have crashed the first week after passing their test because they were driving too fast trying to impress boyfriends :nono:

[GiRTh]

Originally posted by Matt10k
That is a strange example. Anyone can choose to drink or not drink beer. I can't pretend to be female just to get lower insurance bills!
I used the example to show that business can aim their products at whoever they want. They could aim products at WASP males if they wanted to but I think they'd get in to a little trouble if they did.

Also, I am glad that you now admit it is unfair. That's all I wanted you to admit. Maybe I misunderstood you earlier but I thought you were denying that it was an unfair generalisation and that men who complained were sexist or didn't have the right to complain.
I never claimed it wasnt unfair only that some people were obsessed with trying to prove they were being marginalised. I think I've proved that.

You also said you weren't bothered that you had to pay more. For those people who do want to save money, we will just have to hope the laws banning sexual descrimination are passed in the uk. I remember seeing on the news that it was being considered. I'm not bothered. If I shop around I'll get a good deal. Perhaps you should too.

[Matt10k]

Originally posted by Abraxas
Hi Matt :xyxwave:

Well right now in the uk only young women get cheaper insurance than young men and adult rates are generally unisex (from wiki) but theres the increasing lad culture and girl racers on the road I don't think itll be long before we catch up! Ive known a few girls have crashed the first week after passing their test because they were driving too fast trying to impress boyfriends :nono:

Eyup Abs! :joker:

Yep, I think it is mainly just the young uns letting the side down. Insurance premiums for men drop dramatically at age 21 and not so much for women as they level out at this point.

I agree that lad culture is eventually going to make young women drivers as bad as young male drivers, or at least the statistics seem to be going that way. Just to give a personal example, my sister has crashed three times, twice of which she admitted was her fault and I haven’t crashed yet (gulp, I don’t want to jinx things though).

[Matt10k]

Girth… they can aim products at whoever they want, the problem arises when they offer goods to one group at a CHEAPER price than another group. I am not arguing about who they aim the products at!

Also, what is wrong with having a passionate interest in making sure the law respects equality? Also, I am allowed to post issues like this in the serious debates section if I want. I can also think I am being marginalized or victimised if I want, if as you said earlier that makes you despise me, that is up to you.

Finally.. It’s not personal, it’s principle. I do get cheap insurance, because I have made no claims and I always shop around though thanks for that advice anyway. I just feel sorry for people like my brother, who in a few years will get hammered on his insurance just like I did, even though I know he will be a safe driver, and just because he’s male. My sister still got cheaper insurance than me after her first crash! It does annoy me.

[GiRTh]

You need to take up those issues with your siblings.

The fact remains business can aim their products at whoever they want without people claiming prejudice.

[Matt10k]

Originally posted by GiRTh
You need to take up those issues with your siblings.

The fact remains business can aim their products at whoever they want without people claiming prejudice.

I do, I talk with them all the time.

I said they can aim at whoever they want girth!! Read my last post! Have you even read it?! I said the problem comes when they offer products to one group at a 'cheaper' price than another group!

[GiRTh]

I read your post. It seemed like the same old shtick.

I have no problem with women getting cheaper insurance if the insurance company want to entice that demographic. Thats up to them. I, in no way shape or form, feel that emasculates me or marginalises me as a man.

[Abraxas]

[quote]Originally posted by GiRTh
I cant believe some on the things written in this thread. You guys wait till the women see this thread they're going to slice of your scrotums.

:conf2:
Why? I can see how it is unfair and I dont think men should be scared to say things like this just because they think women will get annoyed. give us some credit! I can see a good point when its made and I do believe its unfair

[Abraxas]

Oops. Second para is mine!

[GiRTh]

Originally posted by Abraxas
Originally posted by GiRTh
I cant believe some on the things written in this thread. You guys wait till the women see this thread they're going to slice of your scrotums.

:conf2:
Why? I can see how it is unfair and I dont think men should be scared to say things like this just because they think women will get annoyed. give us some credit! I can see a good point when its made and I do believe its unfair MEn who dont see that insurance companies give cheaper quotes to women in order to entice the demographic and simply think they are being discriminated against should not be allowed to debate their old fashioned bigotted views.

[Abraxas]

I think they can debate what they want. Matt isnt bigoted and I think it is silly to call someone bigoted because they have a different view to yours. And its not an old fashioned view. Its old fashioned thinking women arent quickly becoming as bad as men at almost everything; binge drinking; driving and violent behaviour. Its like some girls think anything men can do they can do and these things only come about when they feel they are equal. We can do everything you can do and be just as bad at it surprise surprise!

[GiRTh]

The fact that someone reckons just because women get cheaper insurance is down to discrimination and simply does not try to explore any other option sounds quite bigotted to me.

[Abraxas]

Originally posted by GiRTh
The fact that someone reckons just because women get cheaper insurance is down to discrimination and simply does not try to explore any other option sounds quite bigotted to me.


Well I disagree and you are just calling names now which we have already been told once to stick to the subject and not try to personally insult members

[GiRTh]

I'm not insulting anyone. To immediately think that a decision has been made on the ground of sex discrimination is quite bigotted.

[Abraxas]

Originally posted by GiRTh
I'm not insulting anyone. To immediatley think that a decision has been made on the ground of sex is quite bigotted.

I find you insulting

[GiRTh]

Originally posted by Abraxas
Originally posted by GiRTh
I'm not insulting anyone. To immediatley think that a decision has been made on the ground of sex is quite bigotted.

I find you insulting How am I insulting? I have not called anyone an idiot but have been called one my self. Thats why there is a little bit of an attitude when I reply to the forum members who called me that.

[Ron21]

Deleted by author.

[Shaun]

Am I seeing double? No, triple.

[Siouxsie]

yes

[Matt10k]

I like it how earlier in this thread, every time someone said women are better drivers, GiRth ‘LOL’d’ it and even said at one point: “I think statistically Women are safer, but from what I've seen I wouldn't trust those statistics.” yet now he is disagreeing with me that it is an unfair generalisation and arguing with me over the statistics! He’s also perfectly happy to pay more than women- Must have money to burn!

He is also the one that repeatedly calls me sexist or bigoted! Who was the one laughing at women drivers again?!

Were you also one of the ones that thought there wouldn’t be outrage if white drivers were found to be safer than black drivers and insurance was adjusted accordingly? :joker:

Guess what- nobody argues about men having to pay more because we don’t get outraged. GiRth, many men (like you) are scared of giving their true opinions or of being outraged in case silly people call them bigoted or sexist, which is ridiculous.

[Mrluvaluva]

Originally posted by Shaun
Am I seeing double? No, triple.

Seems so.

[SmileBabes-x]

but saying this is like saying
why were men allowd to vote for govermental choices and women wernt until emily pankhurst changed this

[Ron21]

Deleted by author.

[SmileBabes-x]

imjus saying like that men cant really moan whn women got treated like that

[Billy]

(8) Women make the safest drivers you could save a bunch of fivers, for bonzer car insurance deaaaals, girls get onto Sheilas Wheels (8)

[Ron21]

Deleted by author.

[Mrluvaluva]

Originally posted by Billy
(8) Women make the safest drivers you could save a bunch of fivers, for bonzer car insurance deaaaals, girls get onto Sheilas Wheels (8)

:laugh3:

[Tilly83]

i guess you guys wont like the fact that as i am a women i get cheaper insurance because im a women but i also get an extra 10% off as im a nurse lol just to add salt to the wond lmao

[Matt10k]

Originally posted by SmileBabes-x
imjus saying like that men cant really moan whn women got treated like that

???

So just because some men treat or have treated women badly before, I am not allowed to say it's unfair women get cheaper car insurance :joker:

Like I've said before, if white people were found to be safer drivers than black people (hypothetically), I doubt white people would get cheaper insurance as there would be outrage.

[Matt10k]

Originally posted by Tilly83
i guess you guys wont like the fact that as i am a women i get cheaper insurance because Im a women but i also get an extra 10% off as Im a nurse lol just to add salt to the wond lmao

Well actually, my insurance now is the same as a woman of the same age but for guys that have just passed at 18, it won't be, so I'm arguing more for the principle rather than the personal.

[Tilly83]

well if you didnt get rude boys and girl skudding about insurance would be so much cheaper for all of us!

[Matt10k]

Originally posted by Tilly83
well if you didnt get rude boys and girl skudding about insurance would be so much cheaper for all of us!

:mad: I know, just glad it's cheap for me now. Used to cost me sh*tloads when I first passed!

[jacs11]

Originally posted by Matt10k
If a survey was conducted that found white people were safer drivers than black people, would they also get cheaper insurance or would this be deemed racist? I am pretty certain it would be deemed racist, so why are insurance companies allowed to be sexist?

Just because my group have more accidents statistically, doesn’t mean I should be punished because there is no evidence that I must be a worse driver just because I am male.

Why is it countries like the Netherlands make laws against unfair and sexist insurance such as this but the uk does not?

Insurance premiums are set a year in advance and the costs are deemed by various factors. 1st the claims adjuster looks at the previous years claims, the underwriter will risk assess and then the premium is loaded by where you live, where the car is kept, what job you do, age, who is insured on the policy, how long you have been driving, sex and previous convictions and claims - NOT on the colour of your skin.
The most expensive bracket are the males under 21yrs. This bracket statistically has more claims thus being a higher risk. Women may not be technically better drivers but they do have fewer claims. (Yes many of them may leave chaos behind them). Insurance companies do not just pick groups of people out of thin air to charge a higher premium to - thay have to abide by strict rules which are governed by the Insurance Ombudsman and ensuring compliance with ABI, GISC, BAC’s.
(only know this cos I was a claims adjuster and underwriter a few years ago)
GOOD GOD INSURANCE IS BORING!

[Matt10k]

Insurance premiums are set a year in advance and the costs are deemed by various factors. 1st the claims adjuster looks at the previous years claims, the underwriter will risk assess and then the premium is loaded by where you live, where the car is kept, what job you do, age, who is insured on the policy, how long you have been driving, sex and previous convictions and claims - NOT on the colour of your skin.
The most expensive bracket are the males under 21yrs. This bracket statistically has more claims thus being a higher risk. Women may not be technically better drivers but they do have fewer claims. (Yes many of them may leave chaos behind them). Insurance companies do not just pick groups of people out of thin air to charge a higher premium to - thay have to abide by strict rules which are governed by the Insurance Ombudsman and ensuring compliance with ABI, GISC, BAC’s.
(only know this cos I was a claims adjuster and underwriter a few years ago)
GOOD GOD INSURANCE IS BORING! [/quote]

The point referring to black people is hypothetical. IF it was found white people were safer, would it be fair to give them cheaper insurance? Sorry to get moody but every new person that comes along, I have to explain this again and I have said it several times now.

Also, the risk part includes men under 21 getting charged more because they make more total claims- but there are more men on the road, i.e. more male drivers and they drive longer distances so you would expect there to be more claims! Any one man is no more dangerous a driver than any one woman, total claims is not proof of men being worse drivers and does not justify the extra premium...

[jacs11]

Originally posted by Mrluvaluva
Yeah but that is like saying lesbians are the safest category of drivers amongst women, so their car insurance should be even cheaper. It's all a bit of a generalisation surely?


lol mine isnt any cheaper!! lol

[jacs11]

For the record the companies that say they do cheaper ins for women is not true. Sheilas wheels and Diamond etc is no cheaper than the next Insurance Co - plus the majority of Ins is underwritten by the same group of underwriters anyway.
I do feel sorry for the majority who suffer because of the minority of numpties out there and I agree with Matt the things could be changed to European laws - but then the goverment wouldnt be able to obtain so much premium tax from the Ins companies.
A disscussion like this can go round and round in circles forever and never satisfy everyone.
Its not just the Motor Ins that groups ppl together. Many travel insurance polices will not cover gay men because of HIV and AIDS or they have to purchase an ins policy from a company like "Respect" who load the policy with a high premium - however the policy is underwritten by a main leading company AND it doesnt cover you if you have HIV or AIDS!! No that IMO is out of order!
In fact all insurance is thought of as over rated and over priced - until of course the time comes for you to make a claim and then you are thankful of it.

[Dr43%er]

It's been a while. hello all.

Matt. Do you think it is unfair that a 17 year old male will be charged more than a 40 year old for the same sports car?

[Mrluvaluva]

Originally posted by jacs11

lol mine isnt any cheaper!! lol

Lol. I was using that as an example.

[jacs11]

lol I know - numpty lol

Anyway shouldnt you be working lol

[Mrluvaluva]

Originally posted by jacs11
Anyway shouldnt you be working lol

Ssshhhh!

[Jackie]

Originally posted by jacs11
lol I know - numpty lol

Anyway shouldnt you be working lol

Skiver comes to mind:whistle:

[Mrluvaluva]

Originally posted by jackie46

Skiver comes to mind:whistle:

Oi you! The cheek!

[Sunny_01]

Originally posted by Dr43%er
It's been a while. hello all.

Matt. Do you think it is unfair that a 17 year old male will be charged more than a 40 year old for the same sports car?

Hey Hey Dr long time no see!!

I dont think 17 year olds should have sports cars, they should all have to drive bright yellow 1.0litre Micras :hugesmile:

Seriously though it is so unfair on young people now, my daughter and her partner pay more than a £1,000 per year to insure a 1.4 focus third party. He has no endorsments on his licence and has not had any accidents since passing his test at 17. I have 6 points, drive a 1.9 DCI car and pay £342 a year to insure it for 2 drivers fully comp with all the bells on type of policy. Now how is that fair to young people?

[Dr43%er]

How do Sunny. How are you?

My first insurance bill 19 years ago was £700. That was for a MG Midget 1500. Not a fast car by any means. But my demographic was more likely to crash than 40 year olds. My point to Matt was that it has nothing to do with sex per se. But purely down to risk assessment. 17 year olds are more likely crash, as are men. Nothing to do with sexisum.

[Matt10k]

Originally posted by Dr43%er
How do Sunny. How are you?

My first insurance bill 19 years ago was £700. That was for a MG Midget 1500. Not a fast car by any means. But my demographic was more likely to crash than 40 year olds. My point to Matt was that it has nothing to do with sex per se. But purely down to risk assessment. 17 year olds are more likely crash, as are men. Nothing to do with sexisum.

Refer to my original point (on page 1). Also look at the points me and sunny made on those risk assessment 'statistics'.

[x-EmoLove.]

well
yes&no
men get treated better than women on various occasions & especially all the voting balls.
so yeah i think it is fair

[Matt10k]

Originally posted by x-EmoLove.
well
yes&no
men get treated better than women on various occasions & especially all the voting balls.
so yeah i think it is fair

Which 'various occasions' do men get treated better in the uk and what is a voting ball?! Also, what the heck would that have to do with the law on car insurance?!

[Sunny_01]

Originally posted by Dr43%er
How do Sunny. How are you?

My first insurance bill 19 years ago was £700. That was for a MG Midget 1500. Not a fast car by any means. But my demographic was more likely to crash than 40 year olds. My point to Matt was that it has nothing to do with sex per se. But purely down to risk assessment. 17 year olds are more likely crash, as are men. Nothing to do with sexisum.

I am good thanks, nice to see you lurking again :kiss:

I see what you say, its kind of a bit of what everyone says to be honest, I think there are people who are charged more because of their age, they type of car they drive, their sex (if they are young and male wanting to drive a hot hatch) I dont think anyone that has made a point in this thread has actually been wrong, just had different thoughts.

[Dr43%er]

It's good to see you again. Not sure why I am back. Think it was something Baz and Jackie said. 'spose I may hang about a bit.

[Jake!]

Originally posted by jackie46
Woman are known to be safer drivers.

What I don't get is if this is true then they don't need it cheaper as they won't be quoting as much as men will. You see. But I don't know what to make of this one sice my mum, dad and 22 year-old sister got the same price so sorry cant really answer.