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[Andy B]

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Woman do have accidents, yes, but usually very minor ones like in car parks and at roundabouts, knocking the bumper off the car in front at a roundabout which I have done three times now in 37 years of driving....in all cases it was a man hestitating in front of me and not putting his ruddy foot down!!

Men have accidents as well, yes, but statistically they are the ones who usually have seriously big ones and cost the insurance companies the most, like demolshing the back end of my Cortina Estate when I was stationery.  Their perfectly natural aggression is also a factor in taking more risks at higher speeds! In addition men tend to undertake far more yearly mileage than women, so are therefore a greater risk.

That is why women's insurance is cheaper, because on the rare occassion we do have accidents, they are usually very minor, and overall we are more careful and considerate drivers.