Should women be forced to pay the same insurance as men?

[sacodetoro]

as above ^

http://www.bbc.co.uk/news/business-12606610

http://www.bbc.co.uk/news/business-12608487

(I love saying this...) DISCUSS lol

Rich

 

[pilgrim_fgau]

yes but is not surprising that they would be bringing the womens premiums up to match mens, rather than bring mens premiums down to match womens..

 

[sanchez]

Should be similar prices for both imo,

 

[whiteglanzav]

well on one hand - yes they should as males and females should be equal - all the sexual discrimination business - blah blah blah

on the other hand if all the statistics point towards women drivers being safer/less of a risk etc then why should they pay extra as the risk of an insurance payout is less - so therefore all there doing is furnishing insurance companys pockets.

 

[glanzanut]

Does it really matter?

I have never made or had a claim made against me I'm all the years I have been driving, yet I pay for other peoples mistakes.
No different here, we get screwed whatever way you look at it

 

[davehart]

For me, Yes

But, in the case of young males 17-21 maybe not as you would expect a 18 year old lad to be more of a risk than a 18 year old lass.

It just boils down to circumstance for me not race, sex or anything else.

 

[Kevnhunt]

Should be the same in my opinion. Not sure where they get the statistics from as a know a few instances where girls have recently passed the test and have then wrote off their cars off.

 

[pilgrim_fgau]

Should be the same in my opinion. Not sure where they get the statistics from as a know a few instances where girls have recently passed the test and have then wrote off their cars off.

was thinking the exact same

and for example, and only using made up figures, if a survey says that 400 males claimed this year and only 300 females claimed etc, I wonder if they have taken into consideration the number of males and females actually driving, and therefore use a percentage of males vs percentage of females. As I would think that there are more males that drive than there are females...but may be wrong?

 

[Starlet_Sam]

All new drivers are unknown quantities and they should all pay similar prices for the first year until their premiums can reflect their own driving histories. Tarring a young lad because other lads crash is like saying you should lock all black people up coz I read in the news about a black guy stabbing someone, it's just bollocks!

 

[Gryzor]

In my opinion, this is a bad case of european law sticking it's nose in where it doesn't belong, if the insurance companies can find reasons for making insurance cheaper for certain groups/locations it should be allowed to.

 

[Tanz]

Being a woman you would think i would be a major no on this but honestly i can't see why a woman and a man with the same driver record can't have the same premium.

Regardless of the known facts that we are better drivers and deserve to have lower premiums i can see some what of the plus side to it.

 

[dac69er]

men will have more accidents as there is a higher propeortion of men driving on the roads compared to women, its as simple as that.

when a couple go out the men mostly drive, most delivery drivers are men, most people who commute to work in cars are men.

these are facts. this is one of the only reasons the statistics come out better for women.

 

[Gryzor]

The John Hopkins report (from the June 1998 issue of Epidemiology) says this:

Overall, men were involved in 5.1 crashes per million miles driven compared to 5.7 crashes for women, despite the fact that on average they drove 74 percent more miles per year than did women.

The investigators determined that about half of the 3.1-fold difference between the sexes’ fatal crash involvement rates was due to the fact that males’ crashes were more severe. Another 40 percent was due to the fact that men, who on average drove many more miles than women, thus had a greater opportunity of being in a crash; and 8 percent because of gender differences in “crash incidence density,” the number of crashes per million person-miles.
--------------

Boils down to an 8% gender difference.

 

[sacodetoro]

I agree with Gryzor, the formulas that the insurance companies use are a lot more complicated than you give them credit for. I am certain they take into account proportions of men vs women etc, they employ actuaries who know what they are doing. (EDIT: like what he says ^)

It has been proven in so many academic journals etc that men are proven to be risk takers versus women who are proven to be risk averse and more cautious, it's the same reason there are very few female investment bankers etc.

It's silly, it's like saying it is age discrimination when a 50 year old with 0 no claims has a far cheaper premium than an 20 year old with 0 no claims.


One thing that does need to addressed is insurance companies and there exclusions and exemtions of the laws surrounding contracts and unfair terms. It is these which cause so many consumers to be shafted time and again.

I also think the Govt should force every motorist to have seperate personal injury cover that covers them and their occupants specifically for personal injury, i.e. if you get hurt you claim off your own policy, prices of the policy will all be in and around the same ballpark and payouts are capped for certain injuries etc to stop Joe Bloggs and his 3 mates who werent in the car claiming for accidents that they didnt actually get hurt in.

 

[steo800]

statistics or no statistics, its still discrimination.

example, im driving 8 years in may. 0 claims

my sister is driving 11 years, 3 claims, including a write off.

and i still pay more.

how is that fair?

its not, its called discrimination.

 

[pilgrim_fgau]

men will have more accidents as there is a higher propeortion of men driving on the roads compared to women, its as simple as that.

when a couple go out the men mostly drive, most delivery drivers are men, most people who commute to work in cars are men.

these are facts. this is one of the only reasons the statistics come out better for women.

exactly what i was saying

 

[starletsam]

the insurance rates have risen considerably over the last couple of years too.when my elder sister passed like 5 years ago,her first years insurance was £600.my brother who is older by 2 years and had been driving for like 3 years already at the time was paying more than she was with a completely clean record!how does that figure?living the same address and everything.my ex recently passed and is paying the same at 20 with a 1.2 clio as i am with my td04 converted starlet (all declared obviously) and yet i have been driving for nearly 4 years,am 21 and have a completely clean licence.its a con tbh!i think with insurance you should be refunded a percentage or have it taken off every year if no claims are made.my renewal was £100 more this year and that was going from 20 and 2 YNC to 21 and 3!i though it dropped at 21?mine fucking rose lol

 

[sx_turbo]

i dont agree with what they are doing.

although i think the reason women are classed as 'safer' drivers is because men drive a lot more,

 

[corofin12345]

who cares. they will just find another way to take more money off you anyway

 

[Tanz]

who cares. they will just find another way to take more money off you anyway

ha ahh now its that attitude that has gotten this country in to crap,,,are you just having an off day or have you thrown the towel in altogether,,,wheres your spark...