Women, Know Your Limits

[Bibbs]

Details from Diamond

Looks like women can't drive fast cars ..

[Caz SR]

That's a bit of a non-report isn't it. Ask a women's only insurance company about comparing the accident rates of women in 'slow' and 'fast' cars. How about a balanced report and asking for stats from a mixed insurance company? Hehehe.

[GIDDLEPIN]

Good job Anne only drives a Roadster

[Bibbs]

Also there are a lot of "fudging" of the stats.

Does that mean women who drive sporty cars are more likely to claim than women driving battered hatches?

Is this because the insurance excess is 90% of a Ford Ka, but 1% on an M3? So they are more likely to clam instead of getting it fixed themselves?

Is it because sports cars are usually more expensive to fix? So a new door is an insurance claim?

Or because sports car owners are usually more proud to not drive a beaten up car?

Or just because women can't drive

Wonder if I can sue Diamond for being sexist.

[Caz SR]

Also there are a lot of "fudging" of the stats.

Does that mean women who drive sporty cars are more likely to claim than women driving battered hatches? Is this because the insurance excess is 90% of a Ford Ka, but 1% on an M3?

Wonder if I can sue Diamond for being sexist.

That's exactly it - but this statement in particular folds the report in half;

Women driving Honda S2000s, for example, were 14 times as likely to be involved in an accident than those driving a Ford Fiesta Ghia.

Errr - ok, so what are the claim rates for Men driving the same vehicles? As you say, I probably wouldn't claim for a minor bump in a Fiesta, but !Removed! heck I would if I was driving an S2k!! There are no stats for 'at fault' claims, just says 'likely to claim' which is very weak.

[Bibbs]

I've edited my post Caz .. there are loads of things that bend the stats .. but I think it's just cause women can't drive :D

Stats don't lie

[BLiTZ]

well i cant comment much on this subject but looking at the people who've just learnt to drive at school, more males have had accidents already which was there faults, but when the girls have been involved in accidents they have been more serious and often involved people running into them (who yes granted were male) but there are more 6th form lasses walking round school with whiplash than males

[Demonic Angel]

Wanting to play with a little fire today Ben??

My personal view goes as..... I have been in two accidents, both were caused by men - one of which was in a hot hatch that he couldnt control because he was driving too fast.

To be perfectly honest, I'm sure the stats would be similar for men driving performance cars, but like Caz says, get your info from a womens only insurer and what do you expect?? I doubt many men will be claiming from Diamond!!

And besides, I've been told I'm a very good driver..... ;)

[Bibbs]

Wanting to play with a little fire today Ben??

Ohh, scary

I've been in 3 accidents ..

First was a woman in her fellas car. She didn't bother to brake when she got the the back of a traffic jam.

Second was a lady who lived opposite where I'd parked, reversed out her drive, across a road (about 4 car widths wide) into my car, then went to work.

Third was a tap @ 10 mph on the M'way in a traffic jam by a bloke getting nagged by his Mrs ..

See, we can all come out with stories .. and it's all rubbish as there will not be a list of ALL the fault accidents. As different sexes we tend to drive in different patterns.

When I was commuting down the M'way, women were in a minority - accidents tended to be people in german saloons driving beyond their limits. When driving past schools on my way to the M'way, males were in a minority - accidents tended to be 4x4's reversing into children and other 4x4's.

[Caz SR]

I'll prolly regret writing this, but what the heck;

Three years driving and no accidents. I'm sure the time will come as it does to most of us, but I am proud - particularly when certain people told me not to buy a new(ish) first car because I was bound to prang it (because all new drivers do apparently).

I have had and seen incidents with both Male and Female drivers. Road rage, near misses from peeps not checking blind spots on the motorway but rushing to jump out of their lane because there is a queue or shock horror, they're in the driving lane and need to get out asap. People cutting into braking distances and then slamming on their brakes... etc etc.

My point is that there are the good and bad drivers in both genders. It's rediculous to say one gender is better than the other, or one shouldn't drive certain cars... blah blah. What is it that people are trying to prove by doing so? One thing for sure is that one by-product of this stupid long term joke is that if the majority of one gender perceive themselves to be better than the other on the roads, because to them, that's just the way it is, then road rage incidences increase ten fold and that's not safe for anyone.

[Bibbs]

Totally agree Caz ..

It seems that the fair majority of drivers have no lane discipline (esp when it comes to roundabouts), no use of indicators, no awareness of other road users. Regardless of their gender.

Then when you use the impliments given, to warn them they are about to write off your car (lights/horn), instead of being appologetic, they act agressive.

And it's not just cars .. sit in someones seat at a pub and it's rarely "I'm sorry, that's my seat" .. it seems to be a lot of "F**K OFF OUT MY SEAT" ..

I know I'm not a perfect driver, but if I'm somewhere new and I'm in the wrong lane, I'm not carving people up and then flipping them the finger when I'm in the wrong. I'm indicating, appologising and then saying thanks. Kinda means I don't get my car driven into by someone in the right ;)

[Lou-Lou]

Yup.. I'm sure thats probably the case for male drivers as well....

Cause if you're driving a fast car you're quite clearly crazy..

I nearly went into the back of some dappy cow this morning cause she decided to get in the right hand lane then turn left.. as she was turning left she nearly drove into someone else as well... didn't help that she was driving at about 15 mph...

Has anyone noticed how the really slow drivers often cause (or nearly cause) accidents? You get stuck behind one, they go to pull away then you do, and nearly drive into the back of them cause you're expecting them to pull away at a decent speed and then they crawl off.. :ffs:

[DaveSR]

My point is that there are the good and bad drivers in both genders. It's rediculous to say one gender is better than the other, or one shouldn't drive certain cars... blah blah. What is it that people are trying to prove by doing so? One thing for sure is that one by-product of this stupid long term joke is that if the majority of one gender perceive themselves to be better than the other on the roads, because to them, that's just the way it is, then road rage incidences increase ten fold and that's not safe for anyone.

So why do female drivers get cheaper car insurance? Im sure in the past there was more male drivers on the road than female drivers (and that's how they worked it out) but im sure that it's all starting to level up now ........

Surely it's sexist too ;) !

[Bibbs]

Surely it's sexist too ;) !

Wonder if I can sue Diamond for being sexist.

[Caz SR]

My point is that there are the good and bad drivers in both genders. It's rediculous to say one gender is better than the other, or one shouldn't drive certain cars... blah blah. What is it that people are trying to prove by doing so? One thing for sure is that one by-product of this stupid long term joke is that if the majority of one gender perceive themselves to be better than the other on the roads, because to them, that's just the way it is, then road rage incidences increase ten fold and that's not safe for anyone.

So why do female drivers get cheaper car insurance? Im sure in the past there was more male drivers on the road than female drivers (and that's how they worked it out) but im sure that it's all starting to level up now ........

Surely it's sexist too ;) !

They actually don't. T (Blue84) is more qualified on this, but from personal experience Elephant have beaten a quote from Diamond everytime (and they're the same company). These so-called Women's insurers may offer a slightly cheaper premium but in the long term, you are far more likely to find increases or charges tacked on at a later date. I have a policy with Diamond for my Yaris but only because I phoned up and got them to drop their premiums below Elephant. Most people don't even know they can do this with exsisting policies and go somewhere new instead.

However, when I tried to add my MR2 on as a temporary car, they wanted 40quid a month for the privilage so I told them where to go and took out a classic policy, fully comp for 200quid a year with Norwich Union Car Club. See, hidden charges.

Women's only insurers play on the whole "we know we're better drivers than the other gender and we're gonna prove it" mentality. Oh, and they do insure blokes too, except not many try it. Lee's a named driver on my policy.

[Bibbs]

Women's only insurers play on the whole "we know we're better drivers than the other gender" mentality. Oh, and they do insure blokes too, except not many try it.

But why do *YOU* even get specialist insurance .. I've not seen a TV ad for "you get cheaper deals with Steven's wheels". *THAT* is sexist.

And it's not even as if Women are in a minority .. you are in the majority ;)

[Demonic Angel]

My point is that there are the good and bad drivers in both genders. It's rediculous to say one gender is better than the other, or one shouldn't drive certain cars... blah blah. What is it that people are trying to prove by doing so? One thing for sure is that one by-product of this stupid long term joke is that if the majority of one gender perceive themselves to be better than the other on the roads, because to them, that's just the way it is, then road rage incidences increase ten fold and that's not safe for anyone.

So why do female drivers get cheaper car insurance? Im sure in the past there was more male drivers on the road than female drivers (and that's how they worked it out) but im sure that it's all starting to level up now ........

Surely it's sexist too ;) !

They actually don't. T (Blue84) is more qualified on this, but from personal experience Elephant have beaten a quote from Diamond everytime (and they're the same company). These so-called Women's insurers may offer a slightly cheaper premium but in the long term, you are far more likely to find increases or charges tacked on at a later date. I have a policy with Diamond for my Yaris but only because I phoned up and got them to drop their premiums below Elephant. Most people don't even know they can do this with exsisting policies and go somewhere new instead.

Women's only insurers play on the whole "we know we're better drivers than the other gender" mentality. Oh, and they do insure blokes too, except not many try it. Lee's a named driver on my policy.

You can't always do that though Caz.... I was with Tesco Insurance for 3 years, I got a cheaper quote elsewhere and asked them to match it so I'd stay with them and they said that they didnt price match, point blank refused.... so I went elsewhere and saved a hefty chunk of money!

I must say, Diamond have never been cheap for me..... ever!! Always a couple of hundred quid more than most insurers....

[Special Red]

Why have women got small feet????

[Lou-Lou]

I tried to get a quote with Diamond.. and they were way more expensive... seems to be once you start telling them you have mods they put the price up alot..

[Caz SR]

Women's only insurers play on the whole "we know we're better drivers than the other gender" mentality. Oh, and they do insure blokes too, except not many try it.

But why do *YOU* even get specialist insurance .. I've not seen a TV ad for "you get cheaper deals with Steven's wheels". *THAT* is sexist.

And it's not even as if Women are in a minority .. you are in the majority ;)

See my point above - it's marketing to play upon 'we're better than the other gender, even though they moan about us' and 'Look! We sympathise with you so we have created insurance just for you'. Which is why I laughed at the original report because it goes against their whole marketing ethos.

If there wasn't a market for it, these companies wouldn't exsist simple as that. You got to look at what created this market - it originated from sexist attitudes in the first place as I believe a lot of it is down to the stigma attached to women drivers. One very clever marketing bod recognised a niche market and told women they're less likey to have huge expense accidents (therefore less claims and payouts) so they would pass that discount on via cheaper premiums. Whether that is true or not, or just spin - I really don't know. What I do know is that they tack on extra charges for things to bump up your payment so it's a loss-leader in reality.

I'm sure if they ever created 'Steven's Wheels' then the same would apply - but then there obviously isn't a big enough niche market for men's only insurance otherwise it would have been done too. One gender cannot complain in majority that another are worse drivers then cry 'sexist' when a cunning marketing person makes use of their attitude.

[Bibbs]

I'm sure it would be different if it was "Daljit's Wheels - Asian only insurance" .. and I see no differance.

[PaulT]

I do find it worrying that women are not usually very good at Mario Kart.

We have to share the road with these people!

:P

Paul.

[Gnome]

See, now if we all had motorbikes, we would'nt get this women's insurance malarky, as it's all a level playing field, and most girls are too scared to ride a bike... :D

[JAHill]

Err. Everytime I try to open this a script virus tries to get on my system...

Not sure if it's on here or what.

[Lou-Lou]

I shouldn't have to have insurance anyway.. I'm the perfect driver