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Author Topic: Being a Woman Driver Means Lower Insurance  (Read 4056 times)

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LJay

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Re: Being a Woman Driver Means Lower Insurance
« Reply #15 on: 02 July 2008, 22:26:23 »
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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Field Marshal Dr. Opti

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Re: Being a Woman Driver Means Lower Insurance
« Reply #16 on: 02 July 2008, 22:27:19 »
Yes you are right. But margaret Thatcher was a man anyway.... :y
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Vamps

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Re: Being a Woman Driver Means Lower Insurance
« Reply #17 on: 02 July 2008, 22:28:04 »
Quote
Yes you are right. But margaret Thatcher was a man anyway.... :y


Wrong Thread?????  ;D ;D ;D
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Entwood

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Re: Being a Woman Driver Means Lower Insurance
« Reply #18 on: 02 July 2008, 22:36:59 »
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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Dusty

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Re: Being a Woman Driver Means Lower Insurance
« Reply #19 on: 02 July 2008, 22:53:30 »
Quote
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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Mr Skrunts

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Re: Being a Woman Driver Means Lower Insurance
« Reply #20 on: 02 July 2008, 22:55:39 »
As a matter of interest Dusty, do you mind me asking how much you pay for Miggy insurance.
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Vamps

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Re: Being a Woman Driver Means Lower Insurance
« Reply #21 on: 02 July 2008, 22:58:20 »
Quote
Quote
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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Mr Skrunts

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Re: Being a Woman Driver Means Lower Insurance
« Reply #22 on: 02 July 2008, 23:00:36 »
Quote
Quote
Quote
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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LJay

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Re: Being a Woman Driver Means Lower Insurance
« Reply #23 on: 02 July 2008, 23:02:35 »
Quote
Quote
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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Vamps

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Re: Being a Woman Driver Means Lower Insurance
« Reply #24 on: 02 July 2008, 23:14:03 »
Quote
Quote
Quote
Quote
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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Dusty

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Re: Being a Woman Driver Means Lower Insurance
« Reply #25 on: 02 July 2008, 23:33:34 »
Quote
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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Vamps

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Re: Being a Woman Driver Means Lower Insurance
« Reply #26 on: 02 July 2008, 23:36:49 »
Quote
Quote
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
« Last Edit: 02 July 2008, 23:37:15 by floodm »
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rickyboy

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Re: Being a Woman Driver Means Lower Insurance
« Reply #27 on: 02 July 2008, 23:40:03 »
Quote
Quote
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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Mr Skrunts

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Re: Being a Woman Driver Means Lower Insurance
« Reply #28 on: 02 July 2008, 23:40:18 »
Lives in Shropshire.

Female Age: 36   Drives: 2.5 CDX

I thought Dusty drove a 2.6?
« Last Edit: 03 July 2008, 00:02:16 by skruntie »
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Mr Skrunts

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Re: Being a Woman Driver Means Lower Insurance
« Reply #29 on: 02 July 2008, 23:43:42 »
Quote
Quote
Quote
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.

Quote
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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