finally woman are getting the equal footing.....
Kaise
Posts: 2,498
......and paying proper insurance premiums! (well hopefully anyway!)
http://www.bbc.co.uk/news/business-12600284
but what i dont get is how putting womens insurance up doesnt bring mens down slightly?!
http://www.bbc.co.uk/news/business-12600284
but what i dont get is how putting womens insurance up doesnt bring mens down slightly?!
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Apparently because its done on risk, bet the insurance companies are rubbig their handsNasty Insurance Man wrote:Oh sorry Mrs, we dont want to charge you more for exactly the same thing, but I'm afraid we will have to, law and everything
You would think though that would free up cash to make the value of that risk more even0 -
I work for an insurance company, and it's not being viewed as a good thing!0
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njee20 wrote:I work for an insurance company, and it's not being viewed as a good thing!
why is that not viewed as a good thing from the insurance company point of view (except for those specialised female insurance companies e.g. Diamond)?"It is not impossible, its just improbable"
Specialized Rockhopper Pro Disc 080 -
njee20 wrote:I work for an insurance company, and in my spare time I like to steal sweets from children and kick puppies whilst stroking my cloven hoof!
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Equality rocks!
Women pay higher car insurance and men pay lower life insurance/cover. Win+Win for the "ballbearing" among the species :¬)0 -
I'm a capacity planner, I know nothing about insurance/have no interest whatsoever, I make lots of graphs and spreadsheets, but I know my colleagues in personal motor insurance have a very dim view of this!0
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Personally I view this a extremely good thing!
All the girls I know who drive have no business behind the wheel, but get dirt cheap insurance premiums because they are girls. I actually know how to drive a car, and not put on make-up, and drive sane, but I pay much more.
Finally the girls are getting the equality men want0 -
I dunno, there's grounding in statistics after all, which makes it fair I think.
When first insuring a car they have nothing to go on but the statistical likelihood that you'll crash, which is higher for young men.
After that you have (or don't have) a NCD which will even things out as it introduces a personalised level of risk.
My insurance only stayed higher than female friends until I proved I was at a fairly good chance of not crashing, and some of them were. Now 24 and my insurance on a group 13 car is half that of my girlfriend on a group 3 car.0 -
i thought the premiums were based on the chances of you having a crash.
i also thought that statistics proved women to be less likely to have a crash and that is why they are offered lower premiums, i dont see why women should be charged more on an equality basis.
why not charge men less instead, we are all equal then and everyone* wins
*except for insurers0 -
njee20 wrote:I dunno, there's grounding in statistics after all, which makes it fair I think.
Someone mentioned this on the radio yesterday and I think it is a fair point.You only need two tools: WD40 and Duck Tape.
If it doesn't move and should, use the WD40.
If it shouldn't move and does, use the tape.0 -
Daz555 wrote:njee20 wrote:I dunno, there's grounding in statistics after all, which makes it fair I think.
Someone mentioned this on the radio yesterday and I think it is a fair point.
That's an interesting point considering your postcode and job alter your premium.0 -
bluechair84 wrote:Daz555 wrote:njee20 wrote:I dunno, there's grounding in statistics after all, which makes it fair I think.
Someone mentioned this on the radio yesterday and I think it is a fair point.
That's an interesting point considering your postcode and job alter your premium.You only need two tools: WD40 and Duck Tape.
If it doesn't move and should, use the WD40.
If it shouldn't move and does, use the tape.0 -
This also means that men will get less from pensions because their gender and shorter expected lifespan will no longer be taken into account!0
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sheepsteeth wrote:i thought the premiums were based on the chances of you having a crash.
i also thought that statistics proved women to be less likely to have a crash and that is why they are offered lower premiums,
Which I took to meaning more little bumps and scrapes than a huge manly right-off involving several rolls and an explosion or three.
My sister and one of my exes seem particularly unlucky with cars. They've had someone reverse into their car, whilst it was parked outside their house (on the drive in my sister's case :shock: ) on a great many occasions.0 -
yeehaamcgee wrote:sheepsteeth wrote:i thought the premiums were based on the chances of you having a crash.
i also thought that statistics proved women to be less likely to have a crash and that is why they are offered lower premiums,
Which I took to meaning more little bumps and scrapes than a huge manly right-off involving several rolls and an explosion or three.
My sister and one of my exes seem particularly unlucky with cars. They've had someone reverse into their car, whilst it was parked outside their house (on the drive in my sister's case :shock: ) on a great many occasions.
My mom is the same, somehow managed to get herself rear ended (no jokes guys ) once a year for about 7 years in a row.0 -
Never mind age, my premium keeps going up because the wife keeps hitting other cars with my car :evil:"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0
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MountainMonster wrote:My momStevo 666 wrote:Never mind age, my premium keeps going up because the wife keeps hitting other cars with my car :evil:0
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My premium went up nearly £300 this year. Same car, same circumstances etc. :evil:0
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Oh wow. mine's never gone up that much. It's usually a few quid per year or something.0
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yeehaamcgee wrote:My premiums have been slowly creeping upwards since i turned 25, because of "inflation". Not by much, but it's not the utopia of cheaper and cheaper insurance I was led to believe would happen.
I'm nearly 40 and I'm still waiting for that golden goose to poop it's egg!How would I write my own epitaph? With a crayon - I'm not allowed anything I can sharpen to a sustainable point.
Disclaimer: Opinions expressed herein are worth exactly what you paid for them.0 -
Yep mine went up for no reason this year too.What if the insurance companies started collecting accident data with reference to religion or ethnic origin? Would it be acceptable to offer discount based on those criteria?
If there was statistical grounding to show it made a difference then I'd have no problem with that. I'll wager there is basis for it frankly, but who's going to pass that!?0 -
It really makes me worry when friend's teenage kids start driving these days with premiums costing a couple of grand or more. Are THEY ever going to get it cheaper?
I think the most I ever paid for insurance was £600, on a Mazda 323 1.3 (which was crap).
My second car, when I was 19, was a Renault 5 GTX, and that was around £350 - and that's been roughly the price of my insurance ever since.0 -
I paid £1100 on a 1993 1.1 Fiesta aged 17 (in 2004), that dropped dramatically after a year and has got successively cheaper since. Now £350 on a Golf GT TDI, seems fair enough to me.0
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I was paying £550 on a 3.0 Subaru Outback. Granted it's had the engine modified, which had been declared, although when I did declare them, the premium only went up by about £100 a year, which wasn't too bad. But in November, it came in at £850! And that's with me being over 40 and full NCB and a tracker device fitted. I did do a few searches, but none of the on-line sites would give a quote and phoning around, I couldn't get anything cheaper.
Still, it's a luuuurvely car to drive...0 -
I now drive a 2.0petrol 407 which costs me nearly as much to insure as my first year as a named driver on my mums insurance cost! Ridiculous.
Anyway, the real premium should be on pretty girls so we don't all end up driving with our heads on backwards and rear end those in front. Get them off the road so we can concentrate!!0 -
MountainMonster wrote:
My mom is the same, somehow managed to get herself rear ended (no jokes guys ) once a year for about 7 years in a row.
i used to enjoy my annual holiday at your house0 -
bluechair84 wrote:Anyway, the real premium should be on pretty girls so we don't all end up driving with our heads on backwards and rear end those in front. Get them off the road so we can concentrate!!
this would be the reason why i destroyed my alfa 156 sportwagon, i was gutted, but she was fine!0 -
kaiser83 wrote:bluechair84 wrote:Anyway, the real premium should be on pretty girls so we don't all end up driving with our heads on backwards and rear end those in front. Get them off the road so we can concentrate!!
this would be the reason why i destroyed my alfa 156 sportwagon, i was gutted, but she was fine!0 -
i didnt even brake, hit a van, which was unscathed, and i end up with no car!!0