car insurance male and female debate
Turbo Mini Forums

I was sorting my insurance out on my Audi, i have to say it is worth while having other polices with the same insurance company, mine has almost halfed, from £580 to £320. I made a fredualnt slip and put me as Mrs, this bought the price down to £299, bargin. Then realised the error.
I thought insurance companies could not differeniate between gender as the EU had ruled this is discriminations?

The EU ruling was very recent and does not have to be implemented until sometime late in 2012 (IIRC) to allow time for the Insurers to implement it and, more cynically, for them to appeal against it, or find ways around it.

Schrödinger's cat - so which one am I ???

i put my old chap on mine as a named driver and this brought my premiums down, odd as you would think that the more people that have access to you car the more likely it is to be damaged

Insurance companies are fuckin stupid robbing bastards!

1/4 Mile 14.3secs 96Mph Terminal 10psi of boost.


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I think the whole no gender discrimination for insurance is an odd one,

what next? no discrimination for different area's? age? disability? I dont like the idea of going don that road.

A difficult arguement...

The Insurance companies already have one very powerfull tool to determine risk of drivers - it's the no claims system or just driver history.

The area based thing is obvious and works for house insurance too, I doubt that will ever be challenged.

But as for driver risk, I know one female who has made 4 claims in the last 7 years. She only keeps her (protected) no-claims bonus because she convinced her insurance company/police that two of the claims were the other drivers fault (there was no other vehicle involved in the other two claims, just a muntjac and someones garden wall). She even got one poor male sent on a driver re-training scheme....

I have a total claim free record on all my insurance policies yet I pay 50% more for my Mondeo than her Focus. Is a Mondeo at 50% greater risk of theft than a Focus at the same address ???





I hope she can't see this..... :)

Schrödinger's cat - so which one am I ???

Women dont have accidents, they watch them unfold in their rear veiw mirror as they drive away after causing someone else issues.

one day boost will be mine!

See my partner is a very good driver and i believe Nikky is also, i expect either would stab you in the face for such a comment.

Theres good and bad drivers in either gender and all ages, statisically though under 21 males have the most accidents iirc.

Edited by wolfie on 22nd May, 2011.

insurance companies should take into consideration that some people like me who have a modded car but im not a boy racer ive spent too much time and money on my car to smash the fucker into a lampost

Most women prob would, lol. it was only meant in jest.

Edited by wez on 22nd May, 2011.

one day boost will be mine!

The point is that there are far better ways of determining "risk" than a stereotype such as gender (or age etc.).

I have no problem with insurance companies setting premiums based on "risk" but not "risk" based on mass statistics - questionable at the very least.

The premium should be based on my own facts only, not an average of millions of others.

If they consider me high risk, charge me more, that is fair - but to penalise me when everything on record shows me as very low risk, is totally wrong.

They have access to individual statistics (apart from new drivers) so why don't they use those facts instead of stereotyping ???

Schrödinger's cat - so which one am I ???

We have to implement the gender based changes half way through next year, and it'll be a bloody swine to do as almost every custom insurance scheme, amongst all the various standard ones have gender factors in them!

Just to note as well, the male factor will not come down, the women's factor will be raised to meet the current male ones.

i dont want to be sexist but, in my area almost every problem or crash i see involves a female driver and i always see them on their phones (the odd male but mostly female) Anyway that being said

I am 22 and i have 3 years of NCB my insurance is £1000 on a brand new 11plate aygo go. (1lrt 3 cylinder) worth approx £10k.... I think this is a complete rip off. my mini has 1 year of NCB on it and i have EVERY mod declared and i have more stuff in the policy (EU breakdown, unlimited mileage, 150bhp etc etc) and this only costs £1100...

if indeed i only owned 1 car (the aygo, A GROUP 1!!!! insured car) the lowest/cheapest group. i would be paying £1000, and i have no doubt that if i had a crash or someone crashed into me and drove off and i lost my NCB i would have to pay about £3000