25 replies to this topic

[sonjaf]

I knew it because of the EU ruling about equality with insurance
(which in my view negates what insurance is about, the risk factor)
womens car insurance is set to rise dramatically apparantly especially for under 40's

One story in the Guardian here

[Brassneck]

I think there should be certain tests insurance companies insist on for reduced insurance. Such as reversing, parallel parking and roundabout use. That should sort the women from the boys....lol

[phil1041]

Brassneck, on 06 October 2012 - 01:16 PM, said:

I think there should be certain tests insurance companies insist on for reduced insurance. Such as reversing, parallel parking and roundabout use. That should sort the women from the boys....lol

Very brave man Lenny.


Phil.

[j300c]

Well, they wanted equality, didn't they?

[sonjaf]

I think it's ridiculous women have less accidents than men, so we should pay less. End of story

[fishman]

For me there should be separation between women! and young girls, For a good while now i have noticed that the vast majority of REALLY bad driving seems to be young girls, How many times are you in say even the middle lane travelling at the speed other traffic and conditions Etc allow, only to be tailgated or past VERY rapidly by a young girl only just old enough to drive and usually in a car which should be considered more use for local shopping than 80/90 mph in the outside lane of the motorway, Usually with a sticker somewhere saying it is being driven by a little princess ???? Even seeing more girls on phone now and kiddies jumping about in any seat without restraint, So for me no real qualms about experienced older women but girls are by far the worst drivers on the road at the Mo.

[Bill Lord]

sonjaf, on 06 October 2012 - 02:31 PM, said:

I think it's ridiculous women have less accidents than men, so we should pay less. End of story

We keep hearing about equality for women, now you are getting it warts and all. (:-

[Beejay]

Brassneck, on 06 October 2012 - 01:16 PM, said:

I think there should be certain tests insurance companies insist on for reduced insurance. Such as reversing, parallel parking and roundabout use. That should sort the women from the boys....lol

I have a daughter,  two grand-daughters and daughter in law whose driving will put many men to shame. They can drive me anywhere anytime.  And my wife's not bad either.

[RogerL]

Equal opportunities is one thing - enforced equality is entirely different but this seems to be the objective of the PC Womens Lib groups. It's little wonder that the Sex Equality Laws have been used to push up womens' insurance premiums, just like they're now having to retire at the same age as men.

Principles can go too far - men can't have babies so maybe we should ban women from having them - how ridiculous would that be?

[bi6als]

Theres one insurance company thats advertising a policy that uses some gismo installed in the car that "judges" your driving. I dont know what it is or how it works but the principle sounds interesting.

If it can really judge your driving skills it could eliminate all the arguments surrounding the generalised statistics associated with car insurance.

[sonjaf]

found this link, if I understand correctly anybody can get a black box fitted to reduce their insurance found a link here

Not sure if all the insurance companies will give a discount but a fair few of them

Advantages not just for young drivers, but those who travel outside busy times or do less miles

Direct quote

Quote

Advantages of these schemes are to both low and high risk drivers, for example:

• Young male drivers are statistically more likely to have accidents and 40% of all serious and fatal accidents occur between the hours of 11pm and 6am. By keeping young drivers off the road during these periods, insurers can reduce their risk and young drivers can benefit from lower insurance costs.  To curb night-time use, should the car move during the specified hours, a heavy premium is levvied
  
• Those who travel fewer miles and who use the car outside commuter times will automatically benefit from lower premiums
  
• Sensible, drivers will build up a history of data to prove it and will benefit from reduced per mile charges, so despite the predicted rise in insurance premiums for young girls, following the EU's recent directive that gender cannot be used to assess risk, girls can build proof ofa pattern of good driving to keep their premiums low
  
• Assistance with claims management should an accident occur because the insurance company can investigate the incident
  
• Simplification of recovery of monies due from third parties through provision of proof of accident scenarios
  
• Helps to prevent theft and fast recovery of stolen vehicles

Other advantages can include online dashboard reporting which allows you to:

• Keep an eye on your total mileage and costs
  
• Keep all your documents online
  
• Receive notification of when MOT, tax and insurance is due
  
• Calculate what situations increase your risk so helping you to drive more safely
  
• Allow you to see when you are driving most economically should you wish to reduce fuel consumption

[AlBundy65]

bi6als, on 07 October 2012 - 12:18 PM, said:

Theres one insurance company thats advertising a policy that uses some gismo installed in the car that "judges" your driving. I dont know what it is or how it works but the principle sounds interesting.

If it can really judge your driving skills it could eliminate all the arguments surrounding the generalised statistics associated with car insurance.

Could throw up some interesting things, someone who lives in town and only ever drives in town, so never gets the car over 30 m.p.h., live in the sticks, and getting up to the speed limit, no problem, but which would be the safest driver?

[bi6als]

AlBundy65, on 07 October 2012 - 12:28 PM, said:

Could throw up some interesting things, someone who lives in town and only ever drives in town, so never gets the car over 30 m.p.h., live in the sticks, and getting up to the speed limit, no problem, but which would be the safest driver?

Dont ask me

I guess it could also record if you have ever broken the speed limit

As with everything there are probably pros and cons. It just seems to help eliminate some of the strange anomalies that insurance quotes seem to spew out.

As an example, my insurance is cheaper with the wife on the policy than just me......she has never driven my car.

[AlBundy65]

Having my suspisius head on, scuse spelling, would these black boxes be the start of road pricing?, if so, for my cars, yippee, lucky to do 4000 a year both combined, but my work van?, 50,000 a year, that might just start to get expensive.

[sonjaf]

they are currently a choice thing