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Unlucky Girls- Your insurance is rising. watch

  • View Poll Results: Is it really fair?
    Yes as young male drivers are more likely to crash
    9
    8.41%
    No as young female drivers are much less likely to crash
    38
    35.51%
    yes its fair as males and females should be treated equally
    60
    56.07%

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    So is yours.
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    I read somewhere that statistically boys are more likely to have a crash AT SPEED than girls, and girls are more likely to have bumps/scrapes etc.

    However, I really don't see why the insurance companies didn't find a "middle ground" between boys and girls prices, so that girls wouldn't be SO annoyed, and boys would feel the benefit?
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    I agree they should be made equal, but thats not to say i havent enjoyed having an advantage my renewable in a couple of months is estimated to be around 700 for the year hooray
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    **** rising female insurance it's the mens insurance that should decrease you dummys lol
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    I think it is really just going to be a case of females insurance getting more expensive whilst the price for males staying the same, the insurance companies aren't going to want to decrease their profits unfortunately. Looks like now we're all going to pay the cost of those few idiot drivers out there I've already been driven in to twice (surprisingly both by males drivers).

    OP> Try looking for a newer car, my brother managed to get a 1.9 Golf 07 plate for £550 last year
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    (Original post by Mally-xo)
    oh my! then again, more of my guy mates have had their car completely smashed to bits than girls. I think guys are more likely to have more dangerous/expensive crashes but less often and girls have more frequent accidents but they tend to be less costly :dontknow:
    See I wrote one car off, whereas my boyfriend has had 4 little accidents.

    My insurance is still cheaper than his though, although I am the only one of my girl friends to have crashed/have points pretty much, so I do think we are less of a risk than the boys, who have various misdemeanors.

    Obviously the stats show that girls are less of a risk, but the ones that aren't (yes, probably me) should pay higher insurance than the perfectly safe boy. I think it's a bit ridiculous to tell insurance companies that they have to change their way of assessing premiums just to make things 'equal'.

    That said, I'm going abroad for a year and when I get back I'll be pushing 23 and driving for 6 years so hopefully it won't make too much difference to me.
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    (Original post by berryboysh)
    7 weeks ago I passed my full practical driving test aged 19 and from then i knew that the next obstacle for me and for many other new young (male) drivers out there was the insurance. 1 week after I had passed my test I had a friend offering me to buy his 2001 1.3 ford fiesta zetec. It was a nice color, had the 5 doors I wanted and had a nice modern look to it for a reasonable price of £550. However the day before I was due to purchase the car I made a few enquirers on the insurance, and though I knew it would be expensive I hadn't realized just how much. My most expensive quote was in region of £35,000 per year with all the others about £7,000-£9000, though there was one quote that was cheapest at still a high cost of £5,000 per year.

    I thought a 1.3 small car like a ford fiesta would be one of the cheapest on the market to insure, I'd expect the quotes I got to be more for a lexus ( Lexus only cost £4,500 2 years ago) than a fiesta. If I'm being quoted that for a fiesta imagine the cost for say a 1.6-8 ford focus or so?! maybe in region of £1,100 a month! No-one in my family who live local will let me be added as a named driver on the policy except my brother but he had had a few claims so I doubt i'd get it much cheaper anyway.

    So anyway back on subject, I was pleased to hear that the European Union has decided that within the next 2-3 years girls will be paying the same insurance prices as boys (yes! no more of them Sheilah's wheels adverts). Its only fair though, I mean at the minute young female drivers are paying 2-3 times less to insure their motors than young male drivers.


    your views please....
    Yeah I think it's unfair that men are charged more than women, because statistics mean nothing to the individual, just because women aren't as likely to have a crash doesn't mean they won't.

    Why can't the insurance companies just lower the price of male insurance rather than raising female insurance? It's just another scheme to make more money.

    I still think it's ridiculous how much teenagers are charged; surely a newly qualified 30 year old driver is just as much a risk as a 17 year old driver...
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    Men and women drive (and crash) differently.

    Men drive more miles per year and take longer journeys.
    Women have more crashes compared to the time driven but the damage is usually less.

    I welcome gender equality and think it's good that we'll both pay the same, but the fact is the insurance companies are using it as a way to make more money out of women rather than making it fair to men!
    They'll be happy to keep us bickering over "who's the better driver?" while everyone pays out the nose!
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    (Original post by HARRY PUTAH)
    I see too many women drivers who lack the spacial awareness so crucial for driving at different speeds, especially in car parks.
    Saw a woman in Sainsbury's today trying to bay park a Nissan navara in front of me. She had no idea of the length of her vehicle or where the corners were. It's not like you can really control which car people buy, but I do think there should be a lot more testing of manoeuvres in the driving test, I actually felt like I should move or risk getting rammed today.
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    A question to all those saying that the statistics show that females are less expensive to insure.

    If there are differences between the statistics of how much it costs to insure people of a different race, should these correspond to the rates people pay. That is should a Chinese person (I vaguely recollect QI claiming that Chinese men driving Green cars are the most likely to make a claim) pay more for his insurance because his race is statistically more likely to crash their car (or whatever race is in fact the most likely)?

    The fact is that using things like this to judge insurance premiums (and indeed female pension rates which are being forcibly raised by the same ruling) is an easy fix that punishes the majority of drivers for the high cost of a minority of drivers (it's already been pointed out that their are women that have written off cars at 17 getting cheaper insurance than males who haven't). It's not that men are high risk it's that high risk individuals are (marginally) more likely to be male.
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    I think its fair tbh.

    Just because im a girl doesnt mean i dont drive as recklessly as a guy - in which i do. I admit it, i'm a reckless driver, i drive too fast and such. I know 2 girls that have wrote there cars off although i know a few guys who have had numerous crashes. Reckless driving cannot be pinned on mainly guys and i think girls are becoming far more reckless in cars than previous years - at the end of the day, we want to impress our friends as much as guys do. Its stereotyped to hell and people conform to it.

    At the end of the day, the whole thing about girls being safer and less likely to crash is a load of bull****. Thats like saying guys watch more porn than girls - again stereotyped.
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    (Original post by Mally-xo)
    £35,000!? :lolwut: you sure you didn't enter in a lamborghini or something!?
    Yeh, I got loads of quotes like that when I was investigating prices for my brother. It's generally the more 'premium' companies which don't really want to insure so give a ridiculous quote :P Even a few companies won't insure a 17 year old guy at all.
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    (Original post by Phelps)
    At the end of the day, the whole thing about girls being safer and less likely to crash is a load of bull****. Thats like saying guys watch more porn than girls - again stereotyped.
    You sure it's not based on statistics...?
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    (Original post by Snowcloud)
    I think it is really just going to be a case of females insurance getting more expensive whilst the price for males staying the same, the insurance companies aren't going to want to decrease their profits unfortunately. Looks like now we're all going to pay the cost of those few idiot drivers out there I've already been driven in to twice (surprisingly both by males drivers).

    OP> Try looking for a newer car, my brother managed to get a 1.9 Golf 07 plate for £550 last year

    How olds your brother and how long as he held his full UK license? I'm guessing he pays £550 a month not a year.... right? Funnily enough I was looking at Volkswagen Golfs yesterday on auto trader on 01 and 02 plates, I was being quoted about £5000 per year (cheaper than fiesta though surprisingly).

    here's a pic of the Golf's I'm considering....


    I'm going to keep searching for low quotes on this... hopefully before the car is sold to someone else
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    (Original post by ily_em)
    You sure it's not based on statistics...?
    The question shouldn't be whether it's statistically based or not, but whether it's fair to use such statistics. Again, if it were statistically likely that the Chinese were a higher risk group than Caucasian or black drivers would it be fair for a company to start "Western Wheels" and refuse to insure anyone ethnically East of Europe.
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    (Original post by insoms)
    In that case make the premiums for people who write off cars at a young age much higher. No doubt those 10 guys were all bombing round the city center at 10 at night with a car full of people and music blaring going nowhere in particular.

    Why punish the male who just passed his test and drives completely safely and normally, when he's no more handicapped or less able than a girl in the same position, just because a minority of his peers go hit a £50,000 BMW in their Saxo driving with a heavy right foot.
    I think you're missing the point.

    And the ten guys were nearly all normal guys like you and me who at some point drove too recklessly or showed off to their friends/girlfriends. It's a guy thing lol.
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    Nope thats per year, when he was 21. I bought a '57 golf myself this year aged 20 and got the insurance for nearly £500 per year. It helps if you put your parents as named drivers providing they're points free and parking it off the road. Both of us were driving for 3 years before we got our own cars, but had no no claims cause we were on our parents insurance. I think it helps to buy a car that is not typically seen as a young persons car such as a renault scenic or something similar, Hey not cool, but at least you'll be driving :P Golfs are amazing cars, good choice!
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    (Original post by ily_em)
    You sure it's not based on statistics...?
    It probably is, but the statistics are never 100% accurate.

    and tbh, unless the statistics show over the 70:30 ratio in crashes, male to female, i dont think its justified.
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    (Original post by Snowcloud)
    Nope thats per year, when he was 21. I bought a '57 golf myself this year aged 20 and got the insurance for nearly £500 per year. It helps if you put your parents as named drivers providing they're points free and parking it off the road. Both of us were driving for 3 years before we got our own cars, but had no no claims cause we were on our parents insurance. I think it helps to buy a car that is not typically seen as a young persons car such as a renault scenic or something similar, Hey not cool, but at least you'll be driving :P Golfs are amazing cars, good choice!

    I like the look of them and the interiors have plenty of room.
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    (Original post by fudgeeyena)
    I agree we should pay similar/the same but the insurance prices are ridiculous. So instead of just hiking girls insurance prices up to meet the mens prices, they should be re-assessed and maybe a different system put in place to decide how much of a risk someone is.

    The whole 'we're changing the prices because it's sexist' is a little hypocritical of the government - after all, we're still charged extortionate prices simply because we're 17, 18, etc. Surely to wipe out sexism from insurance prices they should wipe out ageism from it too?
    Part of the reason they are so high is britain becoming part of the "ambulance chasing" society, where before the cost was down to billing for new parts now nearly every accident comes with a whiplash claim with apyout of 1-2 grand off the bat.
 
 
 
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