Age discrimination - young drivers

ACG

You should be VERY careful before signing this.

If you think insurance companies will decrease insurance for younger drivers your WRONG. They will just increase everyone elses.

Nobody expects insurance to do anything other than increase once the law comes into force so be very careful what you wish for.

AlisonCVS

mikey72 wrote: »

Statistically it's probably true women have the most accidents trying to get into or out of parking spaces, so can't actually go anywhere, or go fast enough to have expensive accidents?

Ha Ha!! :rotfl:

AlisonCVS

dacouch wrote: »

They tend to do lower annual mileages, so have less exposure to accidents
T

Quite right - Which does nt change the fact that women are less of an insurance risk.

mikey72

AlisonCVS wrote: »

Drivers have to agreed to drive according to particular rules in order to qualify for the lower premium. If the monitoring devices show that they driver is not driving as per the agreed rules eg not driving after 11pm lets say, then their premiums increase.

My son has higher functioning Aspergers - for him the rules of the road are to be adhered to without exception.

The problem with boxes is they don't know who's driving, so mechanics can rack up penalties, parents can, and if they work a late shift they can't get home.

antrobus

AlisonCVS wrote: »

'Fraid not - I am statistically a better driver than a man the same age but I will soon have higher premiums than I do now because of the changes regarding gender discrimination.

No, statistically speaking women are worse drivers and have between 50% and 100% more accidents than men depending on what age group you're talking about.

dacouch wrote: »

They tend to do lower annual mileages, so have less exposure to accidents

Yes, that's the case. Men drive higher annual mileages, and therefore the average £s claim cost per year tends to be higher. At least that is until the age of about 40-50 (I can't remember the exact cut-off point) where it balances out, and the 'gender' difference disappears.

AlisonCVS

Boy, Did I rattle a cage or 2!

AlisonCVS

I am a woman, I drive 15 miles to work then the same back every day, I am disabled with MS and I have had 22 years accident free and the 3 accidents prior to that were caused by male drivers!

I think I am a pretty safe driver and in all honesty the worst drivers I see are males over 30/35. They are overly confident and have an arrogance about their driving. Now that is a generalisation which is not fair to safer male drivers. Hence my arguments are about being fair and equitable and that in an ideal world we would all be judged as individuals not statistics. I know life is not fair believe me
(The monitoring devices are already being used apparently by some insurers and there are issues with all systems of course. I am just throwing some ideas around - I am sure there are some other ideas out there)

Thanks for the banter peops.

ACG

You have ignored my post.

Im intrigued to your response on it. Your payments will rocket again if what you want happens.

2sides2everystory

Rainman wrote:

I have spent my time paying high premiums and for good reason. Now that I have earned lower premiums, I don't see why those that haven't should have their risk passed to me any more than it already is.

He's a very good driver. He's a very very good driver

Oh but c'mon dunstonh, the premiums charged for the presence of a young driver on a policy are absolutely extortionate now compared to when we were asked to pay a bit extra

It costs an extra £1,000 a year to insure my son on his Mum's car even with full bonus, and he most definitely is not the main user plus the excess if he has a prang is stil horrendous.

It IS age discrimination and always has been. Age is not a valid proxy for risk of a motor accident. In general terms claims costs tend to be inflated in the younger driver group drivers but the actual traits that cause young drivers to be a greater risk are the same traits as cause older drivers to be a greater risk. It is those that should be underwritten not age itself.

Anyhow, this will soon be outlawed, and I think the insurance companies are just making hay while the sun still shines on their patch. I don't think it will for much longer.

dunstonh

They tend to do lower annual mileages, so have less exposure to accidents

Stuck in the car park....