Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Dusty on 02 July 2008, 21:11:23
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I know its going to upset all you boys on the Forum, but women really do pay less car insurance than their male counterparts.
This is due to us women, being more careful drivers, more couteous, and less accident prone.
Insurance companies base their pricing on the risk involved and in the case of women, we beat you all hands down
So in effect we MUST be better drivers.
;D ;D ;D ;D ;D
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Light the touch paper and retire...... :o ;D ;D
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my missus always says that aswell. then she gets all grumpy when i point out that she has managed to write off 2 cars in 4 years. ;D ;D ;D ;D ;D ;D ;D ;D
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I know its going to upset all you boys on the Forum, but women really do pay less car insurance than their male counterparts.
This is due to us women, being more careful drivers, more couteous, and less accident prone.
Insurance companies base their pricing on the risk involved and in the case of women, we beat you all hands down
So in effect we MUST be better drivers.
;D ;D ;D ;D ;D
In the last week alone ive narrowly avoided 3 accidents....guess who the 3 offending vehicles were driven by.
Oh and one was actually brushing her hair and didnt notice me as we approached each other at 60mph on MY side of the road. :o ;D
women know your place....its the seat with NO CONTROLS. ;D
Chauvinistic pig since 1973 ;D 8-)
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I have some suspicions, let’s see............................................... 8-) 8-) 8-)
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apply for insurance online, accidentally state "female" instead of male, then make sure you dont have an accident
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Mrs TheBoy actually pays more than I do. Oddly, hers came down a bit when I became a named driver on her policy :-/
I think there is a lot of sense in what you say though. Traditionally, ladies tended to have lots of 'parking bumps' whereas blokes had the more spectacular biggies, though I think with the young drivers today, that seems to be reversing :-/
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I drive for a living and would love to pass comment on this subject but I know I'll only offend! ;)
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Mrs TheBoy actually pays more than I do. Oddly, hers came down a bit when I became a named driver on her policy :-/
I think there is a lot of sense in what you say though. Traditionally, ladies tended to have lots of 'parking bumps' whereas blokes had the more spectacular biggies, though I think with the young drivers today, that seems to be reversing :-/
That's what swmbo was doing when she hit a tree........... ;D ;D ;D
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Mrs TheBoy actually pays more than I do. Oddly, hers came down a bit when I became a named driver on her policy :-/
I think there is a lot of sense in what you say though. Traditionally, ladies tended to have lots of 'parking bumps' whereas blokes had the more spectacular biggies, though I think with the young drivers today, that seems to be reversing :-/
That's what swmbo was doing when she hit a tree........... ;D ;D ;D
Everyone needs to hit a tree at least once. I enjoyed it so much, I did it again ::)
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Dusty, you could not be more wrong.
We must all accept that women are better at some things and men are better at other things.
for example. Women are better at cooking,cleaning, and fetching the coal.
Men are better at Making decisions,running the world and of course.........driving. So now you know.
Nice to have you on board Dusty........ :y :y :y :y :y :y :y :y :y
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I haven't hit a tree yet but I have hit a bollard and a police car.
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Not in this house....
We both drive 3 litre MV6 estates, hers a manual, mine an auto...
She has a better driving history than me, within a year age gap of each other....
My insurance is £60 cheaper than hers ;D
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I drive for a living and would love to pass comment on this subject but I know I'll only offend! ;)
Not like you to be bashfull. ::)
Go for it matey, we are all adults...... well most of us at least. ;D ;D
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Dusty, you could not be more wrong.
We must all accept that women are better at some things and men are better at other things.
for example. Women are better at cooking,cleaning, and fetching the coal.
Men are better at Making decisions,running the world and of course.........driving. So now you know.
Nice to have you on board Dusty........ :y :y :y :y :y :y :y :y :y
Hmm are you sure - I think Thatcher was better than Blair or Brown
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
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Yes you are right. But margaret Thatcher was a man anyway.... :y
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Yes you are right. But margaret Thatcher was a man anyway.... :y
Wrong Thread????? ;D ;D ;D
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As this thread is already full of generalisations .. I'll add a few more .. :)
All insurance is based on risk . Risk is based on actuarial data ... the actual number of occurences of the risk versus the overall number of occasions the risk may be encountered.
Women, in general, drive many, many miles fewer than males and drive far less powerful vehicles. This means that, from an actuarial viewpoint the risk of payout (both in size (cost/accident) and number of occurences ) is less IN FINANCIAL TERMS than a male, so, in general, the premiums charged are less.
It has nowt at all to do with safe/unsafe driving, its all to do with risk .. which is why a 19 year old male pays a zillion times more than a 35 year old woman for the same car.
;) ;) ;)
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
Yes it was a bit Ljay, I knew it would be contoversial, and that there would be a lot of debate, that is why I made it.
I've noticed that some of the posts don't get many replies, thought this one would stir up the juices though ;) ;) ;)
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As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
Yes it was a bit Ljay, I knew it would be contoversial, and that there would be a lot of debate, that is why I made it.
I've noticed that some of the posts don't get many replies, thought this one would stir up the juices though ;) ;) ;)
Some input from Lizzie Zoom would be interesting.... ;) ;) ;)
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
Yes it was a bit Ljay, I knew it would be contoversial, and that there would be a lot of debate, that is why I made it.
I've noticed that some of the posts don't get many replies, thought this one would stir up the juices though ;) ;) ;)
Some input from Lizzie Zoom would be interesting.... ;) ;) ;)
Come in Lizzie Zoom your time is up, you have been hiding long enough. Coooeeee, where are you. ;D ;D ;D
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
Yes it was a bit Ljay, I knew it would be contoversial, and that there would be a lot of debate, that is why I made it.
I've noticed that some of the posts don't get many replies, thought this one would stir up the juices though ;) ;) ;)
Right i get you! trying to steal my crown as chief trouble maker!!! ;D
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To be fair there are good and bad of both!!
Generally speaking i get more stressed about bad women drivers than men because they are just giving those of us who can actually drive a bad name!
Think that was a controversial statement to make Dusty, let alone on a male dominated forum!
;D ;D ;D
Yes it was a bit Ljay, I knew it would be contoversial, and that there would be a lot of debate, that is why I made it.
I've noticed that some of the posts don't get many replies, thought this one would stir up the juices though ;) ;) ;)
Some input from Lizzie Zoom would be interesting.... ;) ;) ;)
Come in Lizzie Zoom your time is up, you have been hiding long enough. Coooeeee, where are you. ;D ;D ;D
We know where you are......................... ;) ;) ;)
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As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
I don't know the exact amount but i think it's about £220 fully comp. Last year I think it was £174.
I do shop around though, and I have full no claims
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As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
I don't know the exact amount but i think it's about £220 fully comp. Last year I think it was £174.
I do shop around though, and I have full no claims
You must still be quite young, or do you live in an iffy area? :o
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As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
I don't know the exact amount but i think it's about £220 fully comp. Last year I think it was £174.
I do shop around though, and I have full no claims
I think I'm going to be sick, life is so unfair! :'( I pay double that for a 2 litre - never claimed in my puff, 26 but six points on the license (that's the real killer).
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Lives in Shropshire.
Female Age: 36 Drives: 2.5 CDX
I thought Dusty drove a 2.6?
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As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
I don't know the exact amount but i think it's about £220 fully comp. Last year I think it was £174.
I do shop around though, and I have full no claims
I think I'm going to be sick, life is so unfair! :'( I pay double that for a 2 litre - never claimed in my puff, 26 but six points on the license (that's the real killer).
Thats a bugga matey.
I just copied an old post of mine.
Pain in the A**e all of them.
I have been getting quotes for the last 2 weeks since buying the Elite.
Pressent comapny said they could mirror the NCB and all policy benfits to a second car. Pay £24 month for the 2.5 GLS (Policy started in December) Same car starting today save approx £60 PA, so the time of policy start does make a diiference)
Went on a comparison site. £228.50 For the GLS and £239.50 For the 3.0 Elite. Go to set the policy up after all the FSA messages etc, and being told they dont want to lose me as a customer. So they then try me for £411 for the Elite and £569 for the GLS bearing in mind there is no NCB to add to it but I was supposed to be getting the NCB mirrored.
Loadsa calls later and a call to admiral (they wont discount and say cheaper online at sister site), explain the scenario to them, and the guy says go on the Elephant site and fill in 2 quotes for the cars and he will ring me the day after. Long and short there is 2 x £300 quotes and he doesnt ring me back.
Any way, today there was a pop up for Admiral multiquote, tried them before, total joke. Thought I might as well give a try.
Elite = £232.04
GLS = £250.66
Total one off payment of £482.70
Excess of £150 for each car for Fire/Theft
Car hire cover
Windscreen £70 excess
Other ecess is £250/350 Elite/GLS
Am well chuffed, now (allthough paying up front) the GLS insurance is £48 cheaper for the year.
Saved 10% for 2 cars and the 8.5% premium tax and the GLS has 0% NCB to its name now.
Both cars have Legal Proctection etc and a Gauranteed cover on the NCProtection (more than 2 claims 0 loss) for the Elite.
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Keep in mind I have 100% NCD on the 1st policy for the Elite
But 0% NCD on the GLS
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Do not be fooled, there is a wind up here somewhere.
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I've only 2 years no claims because I was on my dads insurance as a named driver until I was 24 - forgot to add that. Although I will say that I did alot of shopping around on comparison sites and the like - the cheapest quote after the one I got was £680 and the average £800.
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
So next year it will be £150.oo for the two cars then... if you pass the medical..... ;D ;D ;D
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
That's what I thought too. When I turned 25 I was expecting a huge difference but never happened. I think they've upped the age to 30 for male drivers to get a break. Don't quote me on that but I'm sure someone mentioned it to me recently.
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
Nice. :y
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
That's what I thought too. When I turned 25 I was expecting a huge difference but never happened. I think they've upped the age to 30 for male drivers to get a break. Don't quote me on that but I'm sure someone mentioned it to me recently.
Same here, always that elusive carrot, never seem to get there, till you get to Scruntie's age............ ;D ;D ;D
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Hopefully drops to £50 when I turn 50
But got nearly 3 years till I find out. ;D ;D ;D
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
That's what I thought too. When I turned 25 I was expecting a huge difference but never happened. I think they've upped the age to 30 for male drivers to get a break. Don't quote me on that but I'm sure someone mentioned it to me recently.
Same here, always that elusive carrot, never seem to get there, till you get to Scruntie's age............ ;D ;D ;D
;D ;D ;D
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Lives in Shropshire.
Female Age: 36 Drives: 2.5 CDX
I thought Dusty drove a 2.6?
Can anybody tell me what the strange mechanism on the underside of the boot lid, on my 2.6?
It looks like a lever with a cable attached. Don't know what it does, can you help?
Thanks
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How do you do those double quotes, and from another thread?
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How do you do those double quotes, and from another thread?
How do you do those double quotes, and from another thread?
How do you do those double quotes, and from another thread?
Not telling
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How do you do those double quotes, and from another thread?
How do you do those double quotes, and from another thread?
How do you do those double quotes, and from another thread?
Not telling
How do you do those double quotes, and from another thread?
How do you do those double quotes, and from another thread?
I will have to practise then :P
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women-dont have many accidents but they see lots off them in thier rear view mirrors. :D ;D ;D
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women-dont have many accidents but they see lots off them in thier rear view mirrors. :D ;D ;D
That was the first part of the rant I'm trying not to post! ;) ;D
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Lives in Shropshire.
Female Age: 36 Drives: 2.5 CDX
I thought Dusty drove a 2.6?
Can anybody tell me what the strange mechanism on the underside of the boot lid, on my 2.6?
It looks like a lever with a cable attached. Don't know what it does, can you help?
Thanks
:-?
You are very observant Scruntie, should read 2.5CDX and recently aquired 2.6.
2.5 may be for sale very shortly
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women-dont have many accidents but they see lots off them in thier rear view mirrors. :D ;D ;D
:o Thin ice `being trod! >:(
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
That's what I thought too. When I turned 25 I was expecting a huge difference but never happened. I think they've upped the age to 30 for male drivers to get a break. Don't quote me on that but I'm sure someone mentioned it to me recently.
I was refused insurance on Jimbobs MV6 by some companies as i was under 30 at the time!
Was seriously cheesed off about it as i have a much better driving history and no points!
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Gets cheaper as you get older.
I saw bigger discounts as I turned 18, 21 and 25.
Certainly didnt do me any favours in 1985.
Full no claims.
24 years old
Sylvia Turbo
Paid £385 yearly
When I had my MkII Astra GTE, insurance was £900 (this is back in 1991). The following year (no accidents/points/claims etc), it went up to £3k, so I sold it.
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in 1979 my insurance (chevette hs) was 636 quid tpf,t :o :o