Age discrimination - young drivers

keith1950

Maybe she wants a psychological assessment on all men drivers,

I am well aware that the inurance companies are only ever out to make a quick buck

This just goes to show she doesn't know what she is talking about , seeing as car insurance is usually the loss making side of the business.

Personally I think she is just a wind up merchant who is getting off on all this antagonistic banter !

Spiderham

keith1950 wrote: »

Maybe she wants a psychological assessment on all men drivers,

I am well aware that the inurance companies are only ever out to make a quick buck

This just goes to show she doesn't know what she is talking about , seeing as car insurance is usually the loss making side of the business.

Personally I think she is just a wind up merchant who is getting off on all this antagonistic banter !

But don't forget it's wrong to stereotype, unless it's about insurers.

LadyPen56

BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE - BEWARE

On an associated subject, I have just booked my 17 year old son's theory driving test on the direct gov website for £31. However, when I first 'Googled' booking theory test another site popped up; I entered all the relevant information but when it came to the payment section was surprised to see that the cost was £54. Had I not been aware of the true cost, I would have proceeded to enter my credit card details and book it.

I would just like to make people aware that this practice exists - make sure you book on the official website to avoid being ripped off!!

AlisonCVS

Valli wrote: »

If you are going to argue for this then are you also going to argue that people in high crime risk, inner city areas pay the same house contents insurance as people in low risk areas?

It's as fair as it can be because it's based on actuarial calculations - plus a weighting so the insurance companies can pay their staff and, they hope, make a profit.

Mind you IF the courts imposed bigger fines on uninsured drivers that might prompt them to get insurance in the first place. According to our local paper a typical DWI fine is around £100. I'm low risk and I pay more for my insurance than that!

If you read all my postings I am actually anti discrimination laws being brought into insurance. What my argument has been is that IF you cannot discriminate against genders (which has been upheld) then you should not discriminate against age, disability etc etc in insurance. I am disabled and cannot now get another mortgage with another company or additional life insurance without paying over the odds since I was diagnosed. I actually have no great problem with insurance being based on statistics UNTIL it started being selective in which discriminatory laws it was going to apply - that is unfair.

I agree that fines and penalties should be greater for uninsured drivers.

AlisonCVS

opinions4u wrote: »

Men and women are different.

Young people have different behaviour profiles to older people.

Sometimes this should be accepted and appreciated for what it is. Without the lawmakers sticking their nose in.

Absolutely right, trouble is they have stuck their noses in which is why i have raised the point about selective discrimination in insurance.

AlisonCVS

Spiderham wrote: »

Sorry but what exactly do you mean by this?

People aren't priced on stereotypes but on statistical analysis based on the various demographic groups they fall into, their driving history and the vehicle they drive.

How would you "price as an individual" as per your proposal? How would it work?

The point I have been trying to make is that the legal do gooders stuck their nose in and applied gender discrimonation so that men and women will not be judged statistically they will be lumped together as one. I am making the point that AS they ARE doing this then they should use the same on all disciminatory law eg age, disabilty, etc regardless of their statistical relvance to motor accidents.

I was posing a dilemma and in part being devils advocate - the statistical aspect of calculating premiums was not perfect but was accepted. NOW they have screwed it up by bringing in laws that actually say that statistics are not applicable to all but ONLY to SOME categories of society.

The whole thing is a farce

AlisonCVS

keith1950 wrote: »

Maybe she wants a psychological assessment on all men drivers,


This just goes to show she doesn't know what she is talking about , seeing as car insurance is usually the loss making side of the business.
QUOTE]

No not at all - I am just citing that statistically men cost motor insurance companies more makuing them statistically worse drivers from an insurance point of view.

Oh dear more impoverished insurance companies - they would not be in business if they were nt making money

I notice that you dont claim that another poster on this form wants women psychologically testing as he keeps claiming we cant park!!!

AlisonCVS

keith1950 wrote: »

OK, there are good male drivers and bad male drivers, but the over confidence you mention is more likely to be down to experience rather than arrogance.

With experience you become more capable of reading the road and anticipating what might occur in the next half mile or so.

I would not call myself a 'good' driver , but I am a safe driver.

I have now done over 3 millions miles and have a lot of bad driving habits but know my capabilties and stay within them.

Insurance premiums should be based on perceived statistical risk.

I find the worst drivers are the overly caution ones, ( usually woman ) who potter about holding everybody up. People who stop at every roundabout even though its obvious theres nothing approaching from the right.

Young drivers tend to have accidents , not because some of them are particularly poor drivers but they don't have the experience to anticipate what might happen and therefore sometimes just plough into another car when an experienced driver would have avoided the situation.

It's all down to experience and once they have the experience their premiums will fall.

Maybe all new/young drivers should have to legally have their cars fitted with monitoring devices linked to their insurance for the first couple of years.

I disagree with part of what you say - I have seen men (not women skewing across 3 lanes of traffic cutting people up at 70 miles an hour to get the slip road they did not plan ahead for - this is not confidence this is arrogance and lack of care and I see it EVERY DAY.
Yes I feel that after many years of experience I do read the road and I have to say I am not a dithering driver at all. But now women are going to be statistically lumped together with men for better or worse and they were wrong to bring discrimionation law into that. Can of worms has now been opened.

AlisonCVS

AlisonCVS wrote: »

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
.

Keith1950
I did also say generalisation of the male was not a fair comment on SAFER male drivers!
Woman drivers are not all ditherers and are not all bad at parking!
Generalisation is generally wrong!!!

lazer

I actually agree, that age discrimination in insurance should be banned, however, this doesn;t mean high premiums should be

It should be based on experience not age.

A 18 year old who has jus tpassed their test, should be paying the same premium as a 40 year old who has just passed their test.

I got my own car when i was 22, ie: 5 years driving and my premiums were high, despite the fact I had been driving for 5 years (and was insured on my parents car), my mums friend, passed her driving test at 40, crashed the car 6 months after the test and her premiums were still lower than mine, despite the fact she had been driving for a shorter space of time and had already had an accident!

PS - Not everyone lives and works in the city, In Northern Ireland, almost everyone living outside of Belfast has to drive to get anywhere as public trasnport is useless, and a lot of work places tend to be outside town centres