Women drivers

[Booandpops]

Bit pissed at the fact car insurance will now be universal - no discounts for women drivers. I know that
some women will cause accidents and some men will but it feels like women are being fleeced from every corner at the moment. Child benefits going. sure start centres. Now higher insurance. You can bet they won't brings mens costs down or put women's wages up.

Hang on a minute.
If insurance means anything, it means insuring against known risks. So age, sex, driving history, address, type of job, type of car etc all create a risk profile for a given driver.

Now that the sex of the driver has been taken out of the equation, other information should become more relevant.

This may all shake down so women may still pay lower premiums if the other factors put them in a lower category.

Eg - better driving history (because, hey, they have fewer bad accidents); driving less powerful cars (possibly a financial decision, possibly my sexist assumption); they live in safer areas (ok, this is unlikely, but may be that women seek out "safer" areas with less crime if this is achoice); job (perhaps more women tend to have "safer" jobs - again my sexist assumption); age (do they start to learn to drive on average a few years later than me?)

Insurance is a competitive busines, and insurers will still be looking to make the very best assessments of risk, and it may be, given my examples above, that women will still, on average, get lower premiums than men.

We can but hope.

later than men, not me.

But an individual woman living to age 75 would not receive the same pension as a comparable man living to age 75. Equal treatment would have been prevented because of the use of statistical data and that is what the ECJ could not accept.

olderandwider- that's true. They must know why women are generally safer, so they could just ask more questions which factor those things in.

Insurance should start off on a level footing to begin with i.e

young Man age 17 small car v young woman age 17 same car same house etc. both should have the same insurance premium. Not a £2000 differance as it has been.

Then once one crashes, points, receives a ban etc then the risk should be adjusted.

This would be the most fairest way to deal with it.

Start off equal then prove yourself.

SurreyDad - you arewrong about agism. Underthe Equality Act 2010,age becomes a 'protected character' and thus it is unlawful to discriminate against them eg 'you can't have this job, you are too young/old'