Women face hike in car insurance premiums

Graham_Devon

lostinrates wrote: »

Agree about the link...but I'm also hoping chaps are going to start paying for half our sanitary protection, seeing as costs relating to being female are unfair....

While I can see where you are coming from, it's not really something men and women equally get use from

Anyway, we lose out on our pensions. So all's fair

HAMISH_MCTAVISH

Good start.

The current system of insurance is not fit for purpose.

Insurance companies have divided and subdivided the population down into such minute portions so as to maximise profit. But in doing so, they have effectively made it uneconomic to insure certain groups of people.

It's absurd that an 18 year old can pay 10 times the value of the car to insure it every year.

Insurance is the one area where I actually would like to see more government participation and less free market competition, with the sole purpose of driving up the size and diversity of the pool of participants, and equalising costs over a lifetime.

lostinrates

Graham_Devon wrote: »

While I can see where you are coming from, it's not really something men and women equally get use from

Anyway, we lose out on our pensions. So all's fair

LOL, agree about pension...but think men do rather get use of the system without paying for the maintenance.

Lisaloo to a degree I agree with you, but then, the thread IS ona subject...not on luck in general and comparative miseries. As it happens, as we are a household of one man and one woman, its a bit swings and roundabouts here. But yes, I was being very puerile.

AndyGuil

Procrastinator333 wrote: »

It is not on your license. Do the dvla keep it and give access to insurance companies then?

The DVLA know when you passed your test. Like NCB the information could be passed onto the insurance company from the previous one. There is nothing stopping the insurance company checking it either.

AndyGuil

Procrastinator333 wrote: »

Not really. 18 yr old male. 18 yr old female. 6 months driving a piece. Neither has had an accident. How will it help? Yet chances are the male will have a more expensive crash than the female.

That's an assumption which makes it unfair. Once they have had an accident then they pay for it, they will have an accident on their record and lose their NCB. Black swan.

diable

SingleSue wrote: »

Then you get boring drivers like me who will see their premiums increase because of this....not even a parking ticket in 20 years of driving.

Live on the wild side time to time hun ;o)))

Loughton_Monkey

This is a European court ruling.

Any Government that wants (a) to tell this court to get stuffed, (b) find a way round it, and (c) demonstrate that we have a background can solve this at a stroke.

Immediately issue new licenses to all. Blue for males. Pink for females (obviously). Insurance Companies still have best part of a year, then, to prove conclusively that colour of license is just as big a predictor of claims as age, type of car, and postcode. So younger people with pink licenses are legitimately charged less than those of same age with a blue license.

Annuities are a bit more difficult. But already they rate on smoking and on postcode. What's wrong with in depth research to establish that people who stand up to urinate die younger than those who sit down. Anyone who has the name 'Daphne' but claims to stand up when urinating would simply be declined for lying on the proposal form.

ninky_2

lostinrates wrote: »

Agree about the link...but I'm also hoping chaps are going to start paying for half our sanitary protection, seeing as costs relating to being female are unfair....

have you seen the cost of gilette razors? they actually have those anti theft devices on them. yet to see that with tampax.

lostinrates

ninky wrote: »

have you seen the cost of gilette razors? they actually have those anti theft devices on them. yet to see that with tampax.

Shaving is a choice (although many employers do insist on it ), menstruation is not! In fact, I should go and see the price of razors because I'm starting to look a bit like one of my pets and my epilator has broken.

ninky_2

lostinrates wrote: »

Shaving is a choice (although many employers do insist on it ), menstruation is not! In fact, I should go and see the price of razors because I'm starting to look a bit like one of my pets and my epilator has broken.

unless you go on the pill in which case you don't have to have a period if you keep taking it. and the pill is free. i was quite shocked to discover that contraception prescribed is free(including morning after) given the amount of money i spend on prescriptions for a condition that is not my choice (asthma).