Is it fair that women get cheaper car insurance?
 

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?

Woman are known to be safer drivers.

LOL

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?

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.

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

I think that was me.

Lol. Isn't it sexist then?

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

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.

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?

Yeah it didn't come to anything:tongue:

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

LOL

Deleted by author.

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

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.

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?

Is this about men being opressed?

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.

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.

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.

Deleted by author.