Car insurance for men to be the same as for women.

Justin Smith

Justin Smith

Justin Smith

Permabanned
Joined
29 Nov 2012
Posts
72
Location
Sheffield
I suspect the great majority of those on here are blokes, but is there anyone who actually thinks it`s fair that women will now have to pay the same insurance premiums as men ? Surely insurance premiums should be based solely on statistical risk ? I don`t actually believe women have fewer accidents than men, but on the other hand I`m certain women have fewer serious (i.e. expensive) accidents* because they don`t normally drive as aggressively. That said they`re starting to catch up......
Quite apart from anything else is this new "equality" ruling going to establish a precedent, how soon before they try banning cheaper insurance for drivers dependent on age ? How would you feel about paying a big increase in your insurance premium so some inexperienced immature driver, many of whom drive like absolute idiots, can pay less ?

* Young men are 2 to 3 times more likely to have a serious accident than a woman of the same age (depending on definitions), see RAC foundation report.

So you think I don`t know about cars ?
Think again......
 
Last edited:
I guess one of the differences with age is that it is fair, in that at some point, it affects all of us and will indeed get better for everyone as they get older. In that regard it doesn't really discriminate against anyone.

Sex on the other hand isn't something that (most people) change and so you're impacted for life.
 
That's the problem, insurance rates is based on statistical evidence which is why your age, postcode and even the colour of your car affects your odds of having a claim or the size of your claim (years ago I seem to remember the stats that you were far more likely to have a claim driving a certain colour car)

Statistically whether it's againt equality or not, women are less likely to have an accident or the payouts are smaller. Perhaps there are other factors which isn;t down to sex but rather the average miles done etc.

As you have said, it's ageist for older drivers to pay less.

They should have left it as it was. You can see a day coming when perhaps everybody pays a flat rate, the same as everybody else.
 
Greebo said:
You can see a day coming when perhaps everybody pays a flat rate, the same as everybody else.
Click to expand...

x5SCc.jpg


E7Nv2.jpg


The great EU dream...
 
It is wrong imo as a man. Insurance is based on risk, and if women make less claims then it is plainly obvious their assessed risk is lower.

The even more sad thing is that it probably wont be offset by cheaper policies for husbands, boyfriends and partners.

Another right royal screwing by the EU.
 
For young male drivers like myself who've just passed, this is amazing! My quotes are way down now including the fact that adding my dad to the policy has a much larger effect since his gender isn't taken into account either.

I can actually start thinking about buying my first car and insurance...
 
This is ridiculous. I had a quote from Elephant for £740 on the car i'm buying. I knew this new directive would affect prices so I went back onto confused.com and recalculated my quotes.

All my quotes from every insurer are coming in higher. The quote mentioned above now comes in at £1100. I have so far found one quote for less than £1000.

I thought females would be paying more, or men paying less. How did they work out that everyone should pay morre? I spoke to Elephant directly and they have told me that it wasn't what they expected either but all quotes are now higher and females have been brought up to match the higher quotes now given to men.

Something has gone horribly wrong here.
 
Mines gone down again this year though it hasn't changed all that much since my early 20's. From £320 in a group 10 Mondeo to £300 in a Group 17 Saab 9-5.
 
Muffin` said:
Pictures

The great EU dream...
Click to expand...

I'd forgotten there was a film of the book, maybe that will make a nice Christmas post-lunch viewing hehe.

And yes, I thought 'discrimination' was (dictionary yay) unfair treatment based on prejudice. And prejudice was just an opinion or feeling, for better or worse. Less costly accidents aren't an opinion, they are facts (unless the internet has lied, which is impossible).
 
Dabbles said:
Isn't this the whole point of insurance though? - To share the burden.
Click to expand...

So you think some idiot who has had 15 claims in the past 5 years should pay the same as a careful driver who has never claimed in 30 years?

Risk premiums should be calculated at an individual level, at least whilst individuals are the ones doing the driving.
 
jamief said:
So you think some idiot who has had 15 claims in the past 5 years should pay the same as a careful driver who has never claimed in 30 years?
Click to expand...

No, I don't and I acknowledge that is where the system falls down. But that is supposed to be the intention of insurance.

jamief said:
Risk premiums should be calculated at an individual level, at least whilst individuals are the ones doing the driving.
Click to expand...

Quite right. But until now certain groups were penalised as they were a high risk group, not individual. Hopefully the way things are going we are paving the way for individuals to be held to account for the accidents they cause.
 
Dabbles said:
Isn't this the whole point of insurance though? - To share the burden.
Click to expand...

No. The 'whole point' of insurance is to pass your risk onto the insurers, in exchange for your premium. It's obvious that the premium should reflect the risk, otherwise the system simply doesn't work.

If everyone paid a flat rate there would be no incentive for people to try to avoid a claim.

Dabbles said:
Quite right. But until now certain groups were penalised as they were a high risk group, not individual. Hopefully the way things are going we are paving the way for individuals to be held to account for the accidents they cause.
Click to expand...

Being a member of a high risk group may well raise your premium, but your individual risk will also affect your premium.
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom