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Originally Posted by Incognitas
Possibly because they can't argue with insurance companies that reward women drivers with lower premiums. 
Incog.Anyway you keep your myths and legends if it makes you feel better.  |
I shouldn't rise to the bait, but I will. The reason women get lower insurance premiums has nothing to do with how good their driving is.
Premiums are set on previous statistics. Let's have a look shall we... Firstly, women drive less. According to that article, it is under half as much. Anyone who drives less is liable to have less accidents, so lower premiums. Secondly, women tend to go for small, older cars. When they do have an accident, when an F reg Fiesta hits another car, it is going to be much cheaper to settle the claim, than a bloke who has a new 3 series BMW (no accounting for taste though
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You can't say women get lower insurance premiums because they are better drivers. Like I said, surely the faster someone can travel without hitting something, the better the driver they are. That's how Schmacher is bloody good driver, as opposed to a terrible one. Driving at 5mph, in my mind takes no skill. Now bear in mind, if you look at the statistics from that Evening Standard article, women are more liable to hit things in car parks, even without normalised figures.
And thirdly, it's just one of those things - it affects men so noone cares. If women or black people were automatically surcharged on their insurance, there would of been outrage years ago. If I had the time, i'd love to try and fight this blatant sex discrimination. You can choose a powerful, or slow car, or live in a high/low risk area, but I have no choice in my gender. It shouldn't ever come into the policy.