Kirkatronics Posted February 11, 2008 Share Posted February 11, 2008 Do you think its sexist that it costs more for a male driver to insure their cars than a female driver? In some cases it can be less 1/2 of the Males cost. Link to comment Share on other sites More sharing options...
nightwolf Posted February 11, 2008 Share Posted February 11, 2008 Yes, I find women drivers irratating, and no doesn't include myself because I can't legally drive yet woo ^.^ Link to comment Share on other sites More sharing options...
Slaggis Posted February 11, 2008 Share Posted February 11, 2008 It is. Also, men have better spacial awareness than women, so are infact better drivers (if they put their mind to it, and only by a tiny amount, mind). It's extremely sexist, just because you get some 18 year old guys driving souped up cars and dying, doesn't mean every other guy should suffer. Link to comment Share on other sites More sharing options...
thirtynine. Posted February 11, 2008 Share Posted February 11, 2008 No, its less of a risk to insure women, so the companys can afford to charge less, just as if you are a professional skydiver it would cost more for life insurance than if you were an IT guy Link to comment Share on other sites More sharing options...
Sheikah Posted February 11, 2008 Share Posted February 11, 2008 Yes it is stereotyping, as they are offering a better deal to women just because they are women. You can't help being born how you are, and you shouldn't be charged more because of it. Link to comment Share on other sites More sharing options...
nightwolf Posted February 11, 2008 Share Posted February 11, 2008 It is. Also, men have better spacial awareness than women, so are infact better drivers (if they put their mind to it, and only by a tiny amount, mind). It's extremely sexist, just because you get some 18 year old guys driving souped up cars and dying, doesn't mean every other guy should suffer. pssh, I doubt it. I use to ride a bike and found that that gives you better awareness compared to just hopping in a car and going ''I'm a man therefore I'm a better driver'' utter bollocks ^.^ I agree that women can be quite idiotic drivers, but there's a fair share of men who pay no attention to whats around them, specially when I was on a motorbike, and my bike wasn't bloody small either. Link to comment Share on other sites More sharing options...
ReZourceman Posted February 11, 2008 Share Posted February 11, 2008 Yeah, as ThurtyLol said, it sucks but it makes sense. Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 No, its less of a risk to insure women, so the companys can afford to charge less, just as if you are a professional skydiver it would cost more for life insurance than if you were an IT guy But whos life insurance would cost more? Female Sky Diver, or male? Your example wasnt to do with gender. Link to comment Share on other sites More sharing options...
ReZourceman Posted February 11, 2008 Share Posted February 11, 2008 But whos life insurance would cost more?Female Sky Diver, or male? Your example wasnt to do with gender. Depends entirely. Link to comment Share on other sites More sharing options...
Charlie Posted February 11, 2008 Share Posted February 11, 2008 Put it this way, if it were the other way round women would be going mad. I can see why they do it, and they're right to do it, but it doesn't stop it being sexist. Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 The reason women are in less accidents is merely because there are less women drivers.. Link to comment Share on other sites More sharing options...
Sheikah Posted February 11, 2008 Share Posted February 11, 2008 Yeh, a job of a skydiver is a personal choice, and one that you would know the risks of before taking it up. But your gender is set in stone - and I don't consider surgery to say otherwise. :p It might also be better financially to pay, say, a female builder less than a male builder than have to pay a woman the same amount, yet laws stop this from happening. The same laws should exist within car insurance IMO. Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 Yeh, a job of a skydiver is a personal choice, and one that you would know the risks of before taking it up. But your gender is set in stone - and I don't consider surgery to say otherwise. :p It might also be better financially to pay, say, a male builder more than a female builder more money than have to pay a woman the same amount, yet laws stop this from happening. The same laws should exist within car insurance IMO. Set in flesh :p Link to comment Share on other sites More sharing options...
Slaggis Posted February 11, 2008 Share Posted February 11, 2008 pssh, I doubt it. I use to ride a bike and found that that gives you better awareness compared to just hopping in a car and going ''I'm a man therefore I'm a better driver'' utter bollocks ^.^ I agree that women can be quite idiotic drivers, but there's a fair share of men who pay no attention to whats around them, specially when I was on a motorbike, and my bike wasn't bloody small either. Hehe, thats what both my pyschology teachers told me, both women. They're probably wrong though, like you say. Link to comment Share on other sites More sharing options...
ReZourceman Posted February 11, 2008 Share Posted February 11, 2008 The reason women are in less accidents is merely because there are less women drivers.. I highly doubt thats true. Link to comment Share on other sites More sharing options...
nightwolf Posted February 11, 2008 Share Posted February 11, 2008 Hehe, thats what both my pyschology teachers told me, both women. They're probably wrong though, like you say. haha, no men and women are both pretty crap when it comes to driving, I'm not amazing myself when at my driving lessons. There's something about being on the road on another vechicle that isn't a box that has to make you more aware, which is handy when you get into a car. Link to comment Share on other sites More sharing options...
Tom Posted February 11, 2008 Share Posted February 11, 2008 this is a silly argument. I am a motor insurance underwriter, and the premiums are set by statistics and statistics only. Premiums are affected not just by gender, but by age, area, occupation, mileage, use, martial status and more things than i can be bothered to list here. If the statistics show a certain type of person is more likely to cost the insurer money then they will be charged more, and the statistics iverwhelmingly show that young males will crash, i believe its about 1 in 3 17-19 years olds have a fault accident in their first year driving. Plus the accidents are generally more costly to insurers. If you are one of the people who is a safe driver, you get no claims discount and premiums reduced. edit: thought it might further make my point to add that many companies are now not offering insurance to young males as they make such a loss on them, despite the high premium. The company I work for will not insure a male under 19, or 21 for fully comp as it is so costly. They are among a large variety of differnet jobs, areas etc that we refuse to insure because of the statistically proven high cost and risk Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 this is a silly argument. I am a motor insurance underwriter, and the premiums are set by statistics and statistics only. Premiums are affected not just by gender, but by age, area, occupation, mileage, use, martial status and more things than i can be bothered to list here. If the statistics show a certain type of person is more likely to cost the insurer money then they will be charged more, and the statistics iverwhelmingly show that young males will crash, i believe its about 1 in 3 17-19 years olds have a fault accident in their first year driving. Plus the accidents are generally more costly to insurers. If you are one of the people who is a safe driver, you get no claims discount and premiums reduced. I put miss instead of mr with direct line, and i got a quote for 1200. When i corrected it it went up by 600. So whats that mean then? Link to comment Share on other sites More sharing options...
Tom Posted February 11, 2008 Share Posted February 11, 2008 it means that differnet insurers have different risk matrixes Link to comment Share on other sites More sharing options...
Sheikah Posted February 11, 2008 Share Posted February 11, 2008 But statistics would show that a man is capable of lifting more, possibly allowing him to be more efficient at a job, yet the law states either gender must be paid the same. Don't get me wrong, women might well be better at something else yet men would be paid the same. So why can't there be laws charging genders the same too? I'm not talking about age, since obviously a younger driver has less experience, and an old one might be senile. But gender is specifically taking into account the 'lads like going fast' concept, which is stereotypical. Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 this is a silly argument. I am a motor insurance underwriter, and the premiums are set by statistics and statistics only. Premiums are affected not just by gender, but by age, area, occupation, mileage, use, martial status and more things than i can be bothered to list here. If the statistics show a certain type of person is more likely to cost the insurer money then they will be charged more, and the statistics iverwhelmingly show that young males will crash, i believe its about 1 in 3 17-19 years olds have a fault accident in their first year driving. Plus the accidents are generally more costly to insurers. If you are one of the people who is a safe driver, you get no claims discount and premiums reduced. edit: thought it might further make my point to add that many companies are now not offering insurance to young males as they make such a loss on them, despite the high premium. The company I work for will not insure a male under 19, or 21 for fully comp as it is so costly. They are among a large variety of differnet jobs, areas etc that we refuse to insure because of the statistically proven high cost and risk it means that differnet insurers have different risk matrixes You just said that they arent affected by gender. Link to comment Share on other sites More sharing options...
Tom Posted February 11, 2008 Share Posted February 11, 2008 so are you suggesting that everyone pays the same premium regardless? would your claim free, points free parents be happy paying £800 for their own car insurance, just to keep some mentally deficient young men with cheap premiums? edit: warandchaos: can you read?? i said not just by, meaning that it isn't the only thing that effects it, obviously. Link to comment Share on other sites More sharing options...
Kirkatronics Posted February 11, 2008 Author Share Posted February 11, 2008 so are you suggesting that everyone pays the same premium regardless? would your claim free, points free parents be happy paying £800 for their own car insurance, just to keep some mentally deficient young men with cheap premiums?Were not saying people with little experience should pay the same as those with lots. Were saying its wrong to treat men and women differently by charging them different prices. Link to comment Share on other sites More sharing options...
Sheikah Posted February 11, 2008 Share Posted February 11, 2008 so are you suggesting that everyone pays the same premium regardless? would your claim free, points free parents be happy paying £800 for their own car insurance, just to keep some mentally deficient young men with cheap premiums? edit: warandchaos: can you read?? i said not just by, meaning that it isn't the only thing that effects it, obviously. Read my post again, I said that age was obviously something fair to judge since a young fresh driver would have no experience. To judge on the grounds of having a penis though is frankly offensive. Link to comment Share on other sites More sharing options...
rokhed00 Posted February 11, 2008 Share Posted February 11, 2008 But your gender is set in stone - and I don't consider surgery to say otherwise. :p What rubbish. Link to comment Share on other sites More sharing options...
Recommended Posts