17 /18 year old boys are more accident prone drivers. Its that simple.
thats odd i dont remember having any motoring accidents when i was 17/18 years old, speak for your self AE but dont tar us all with the same brush
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I believe that in Canada, giving females cheaper car insurance was considered to be sexual descrimination and was banned !
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Dont take my word for it milkyjoe. You can be a saint if you like but it still does not change the basic fact. 17 - 18 year old male drivers are accident prone. Ask any insurance company.
Tell you what, read my local paper. Of my sons school peer group one is already dead.
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< Ulla>
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>>>Dont take my word for it milkyjoe
He said he didn't remember having an accident, not that he hadn't had one.
I'm glad he isn't speechless now.
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Something I have always wondered. -
It seems to be irrefutable that men are statistically more accident prone, especially so when younger.
I wonder though if this is weighted by cultural habit ? What I mean is that when you see a "couple" of any generation in a car together, there is a more than evens chance that it is the male driving. I know this is the case in our family and I can't really tell you why. My wife happens to be an excellent driver and enjoys driving, but if we are in a car together I just seem to gravitate to the driving seat and she automatically gets in on the passenger side. We have never discussed this and as I said she is a very good and safe driver and I certainly am very comfortable being driven by her on the odd occasions it works out that way. So why is this the norm I wonder ?
Anyway to come back to the point of the thread, maybe there is just more chance of having an accident as a male purely by dint of the fact that averagely, men drive more ?
I don't know this to be the case but it's my theory.
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Men drive cars but women simply ride them.
For most men, driving is passion, for most women driving is another chore.
Women treat driving in the same way as men looks upon ironing and washing... had to do but prefer not doing :)
Since men enjoy driving, they will pay more premium. We have more male drivers than female ones. Insurance companies are doing business. With their "statistics" they raise the premium for men, because they know you'll be paying anyway.
There are 3 types of lies - lie, great lie and statistics.
Edited by movilogo on 19/12/2007 at 15:53
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Since men enjoy driving they will pay more premium. We have more male drivers than female ones. Insurance companies are doing business. With their "statistics" they raise the premium for men because they know you'll be paying anyway.
Very good. The ability to completely ignore facts will stand you in good stead should you decide to take up politics.
Young male drivers crash more, honestly they do. I did.
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I agree with the points on young male drivers.
But how do you explain the fact if you simply change the gender in confused.com for matured middle aged drivers, you still get a reduced premium?
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But how do you explain the fact if you simply change the gender in confused.com for matured middle aged drivers you still get a reduced premium?
Perhaps because men have more expensive accidents? A quick straw poll around the office shows that women tend to have the broken door mirror or scratched bumper type of crash, while men perhaps have fewer crashes (perhaps!) but they tend to be biggies.
However if you've got some evidence to support your theory I'm all up for reading it
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For most men driving is passion for most women driving is another chore. Women treat driving in the same way as men looks upon ironing and washing... had to do but prefer not doing :)
That's spot-on. I've always said there are two types of drivers: Those who treat it as a chore, and those who treat is as a pleasure.
In my experience most women treat it as a chore, while most men treat it as a pleasure.
Certainly that's true of me and my wife. I love driving. Passed my test first time, will jump at the chance to drive any car, anywhere. My wife hates driving, took 5 attempts to pass, will do anything to avoid driving...
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Men are more aggressive, take more risks. Teen boys have no concept of risk, with an unshakeable belief they are invincible. Plus they like to show off.
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< Ulla>
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Girls seem to prefer guys who are show-offs and "fun" which probably makes these guys more dangerous than the boring safe types.
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It's certainly a point.
I do a minimum of 35K a year, my wife does about 3-4k per year. the last accident I had was 4.5 years ago, so in simple terms I have an accident every 160,000 miles or so, whats that, 6 and a half times around the world?
But in insurance land I have an accident every 4 years so I'm more of a rist than my wife who last had a bump 6 years ago (<20,000 miles)
But it still doesn't alter the fact that all 17 year old lads with a car, are driving gods who are invincible behind the wheel, or at least think they are.
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SWMBO covers 30,000 miles a year. She drives a BMW 318.
I cover 9,000 miles a year. I drive a Renault Scenic 1.4.
My insurance costs more than hers. We're both with the same company. We both have full NCB. We're both named drivers on the other's car. Why? Because Quinn Insurance's actuaries say I'm more likely to have an accident, its more likely to be serious and their statistics show the injuries and damage I cause in the process typically cost more.
(Incidentally, my renewal has dropped 30% in price since I got married. So the actuaries calculations can work in your favour too...).
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SWHBO who only has a provisional licence is a named driver on my insurance for free - 17 year old son with a provisional trebles the premium.
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It is sex discrimination.
It discriminates against safety concious, sensible, mature, young males in favour of safety concious, sensible, mature, young females.
On the otherhand a young person could argue that insurers discriminate against safety concious, sensible, mature, young people in favour of safety concious, sensible, mature, older people.
In short neither insurers or the DVLA can psychometrically profile every driver - though perhaps they should, then some nutters may never be able to drive and some sensible kids might pass their test at 15 or 16.
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SWHBO who only has a provisional licence is a named driver on my insurance for free
In my case, adding wife (still L plate) actually reduced my premium (compared to me alone)!
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"But in insurance land I have an accident every 4 years so I'm more of a rist than my wife who last had a bump 6 years ago"
Makes sense in my mind. They don't care that you do 160 miles or 160 billion miles, it only matters that they have to sort your mess out every four years but only every 6 for your wife.
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The insurance business in Britain is highly competitive and a zillion factors are taken into account when working out the risk/cost: age/experience/gender/garaged/NCB/red colour/postcode/line of business/mileage/cost of parts to repair it/ the list is endless... There are insurers specialising in women / over 55s / students / certain trades and, as every renewal brings a groan, it's either pay up or spend hours online to shop around.
In Spain there is usually a standard rate for the car as it is the car rather than the driver which is covered. Breakdown cover - a basic tow - is standard, though NCBs are derisory (20% if you're lucky) and after the age of 40 any NCB gained is offset by being a year older and a higher risk! (Swings and roundabouts...!)
With galloping globalisation/Europeanisation, Police cars with ANPR and the insurance databases the days of "cover for any car"/"any driver covered" are numbered.
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so why isn't race included? Why is there no fuss like there is for prison figures or schoolboy attainment? Hypocrisy?
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That's an interesting point. If they did the research and found that one of the following is statistically more likely to have an accident, which would be acceptable? (For that matter, for all I know, they already do!):
Blondes
Christians
People over 6 foot in height
Asians
Disabled people
People with green eyes
people with ear lobes
Several of those would probably be laughed at, several thought of as barbaric. But if the statistics backed them up, what difference to gender?
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When my wife and I decided to get a 2nd car, we wondered whether to register and insure it in my name or hers. (The first car was insured in my name). Believe it or not, it was cheaper for us to insure it in my name with her as the named driver than vice versa.
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Either we have insurance premiums based on statistical risk analysis or we all pay an average. Paying an average gives no incentive for "bad" drivers as everyone else is paying for their bad driving.
What's the issue, it's a no-brainer.
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same with pensions, women get the same despite living longer, the men get ripped off
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There is heated debate within the EU on this.
It started off as a complaint against discrimination in the 'pension annuity' market - a lump sum would provide a smaller pension for a women, due to the longer life expectancy.
It has opened a can of worms.
Currently it is legal to adjust the price/return on financial services on the basis of provable financial statistics.
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statistics can be massaged for what ever reason , most usually to rip the male of the species off when it comes to car insurance and vise versa for the women, cause there aint as many of them on the road , < snip >
Don't even go there... PG
Edited by PoloGirl on 19/12/2007 at 19:28
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sorry PG i was just testing the PC water
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ither we have insurance premiums based on statistical risk analysis or we all pay an average. Paying an average gives no incentive for "bad" drivers as everyone else is paying for their bad driving.
What's the issue, it's a no-brainer.
The difference is that it is not based on the statistics of that individual, but on an attribute they did not choose. For example, in Australasia, Asian women are considered to be appalling drivers, and statistically they are, but no company dare charge them more. For example should people with piercings and tattoos be scrutinised and be charged more if a greater risk?
Where do you draw the line? Just with males and young people apparently.
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