FAO: Young lady folks, re: insurance

[missyburd]

Thought I'd bring this to folks' attention, whether it's of any use...

Goes for car/van/bike/donkey insurance ;)


DO act NOW if you're a woman - prices to rise 21 Dec

By 21 Dec, at the latest, insurers must follow the European Court of Justice gender equalisation ruling which means all things being equal, men & women must pay the same.
Women typically pay £315/year less than men, under-20s £2,000 less. So expect huge rises in costs. The solution is renewing, as that locks in current prices for a year. Use the system in this guide to hopefully beat your current price, or at least find the cheapest you can.

If your renewal isn't due until near/after 21 Dec (provided you haven't claimed) the younger you are, the more you should consider cancelling your current policy to lock into a new one. You'll usually get a refund for the rest of the year, but may face an exit fee and lose this year's no-claims bonus.



Mine doesn't run out 'til mid-June and there's no way I want to faff about with insurers (which one should only have to subject one's self to once a chuffin' year) before Christmas.



Guess I'll just cross me fingers and hope it doesn't make much difference. Especially as I'll have gone 25 come renewal time.

[Littlepeahead]

21st December is my birthday and as I'll be 42 I don't think I need to be that concerned.

[shonadoll]

Yes we were glad it didn't come in sooner- just had to insure darling daughter age 18 for her pride and joy (car). Heard horror stories but diamond ladies insurance company did it for £1250 fully comp.

[Specialone]

Bout time it was bought in line, we men have been discriminated against for far too long.
Majority of women can't drive for ****, they should pay more than men not less or equal.

I'm now wearing full body armour just in case :)

[chezvegas85]

Bout time it was bought in line, we men have been discriminated against for far too long.
Majority of women can't drive for ****, they should pay more than men not less or equal.

I'm now wearing full body armour just in case :)

V brave! Hopefully it'll annoy young ladies enough that it'll become 'uncool' for young lads ( circa 18 ) to go out racing their corsa's on our fair roads.

Me n the lass get quoted the same anyways, she's below 25 n i'm above (although i have no ncb and she has 2 years). Hopefully won't make much of a difference for a shared policy in a years time

[punkyp]

I notice how insurance for men didn't come down to fall into line, or them meet in the middle.

[Bibio]

so does this mean that the insurers will drop the price of male drivers insurance premiums.

[Spank86]

It ought to mean that instead of modelling men and women drivers of a set age separately as two groups they model them as a single group to get the required premiums.


It may mean that women's premiums go up to start with to meet the men's but their profits can't deviate too much so in following years it should level out.

[SoulKiss]

It may mean that women's premiums go up to start with to meet the men's but their profits can't deviate too much so in following years it should level out.

You know that this ISNT the Comedy Club thread?

:p

[Littlepeahead]

Women make more claims but men make claims for much larger amounts. A woman us more likely to gently bump another car parking whereas a man, especially young men with friends in the car are more likely to speed, crash and do serious damage to their own car, themselves and all around them making them expensive liabilities.

[Spank86]

So what LPH, none of those people who did that, male or female are me so what does their gender matter, you could equally segregate based on skin colour or eye colour.

@soulkiss: you may not want to believe it but profits are regulated.

[dizzyblonde]

So, cancelling your insurance is recommended......does this affect your ncbs?


I'm not overly bothered about the bikes, as I have 8 yrs no claims next year, and they're both under classic insurance.

As for the car.........don't go there

It's a crock of poo on that score as far as age is concerned, 36 and female i still get wacked with extortionate premium, even though my elderly OH has maximum no claims. I may as well be 17 and driving a chav chariot!

[andrewsmith]

Well, as it stands I can't insurance for next year!
One claim this year (in progress for Liability).

I must be paying for all them ladies renewing early ;)
Sent from a Nuclear bunker

[missyburd]

So, cancelling your insurance is recommended......does this affect your ncbs?

See OP "You'll usually get a refund for the rest of the year, but may face an exit fee and lose this year's no-claims bonus. "

So likely yeah.

[Tim in Belgium]

So what LPH, none of those people who did that, male or female are me so what does their gender matter, you could equally segregate based on skin colour or eye colour.

@soulkiss: you may not want to believe it but profits are regulated.

Believe it or not men and women ARE different! :shock:

They are not equal in every respect, and again I'm disappointed to see EQUALITY prevail over REALITY. If the risk/cost of insuring males is greater than females then they should pay more.

[-Ralph-]

Bout time it was bought in line, we men have been discriminated against for far too long.
Majority of women can't drive for ****, they should pay more than men not less or equal.

I'm now wearing full body armour just in case :)

Women make more claims but men make claims for much larger amounts. A woman us more likely to gently bump another car parking whereas a man, especially young men with friends in the car are more likely to speed, crash and do serious damage to their own car, themselves and all around them making them expensive liabilities.

Driving ability and insurance premiums don't tally.

Most 80 yr olds can't drive for **** either, but as they don't exceed 40mph they are much less likely to have anything more than a little bump, but much more likely to have that little bump.

Women fall into the same category.

Simple fact is because they have a lesser ability, they drive slower and take longer at junctions, so they cost the insurance companies less.

[BanannaMan]

Believe it or not men and women ARE different! :shock:
disappointed to see EQUALITY prevail over REALITY. If the risk/cost of insuring males is greater than females then they should pay more.



+1
This is not about equality. It's about letting the insurance companies make more profit. :rolleyes:

[dizzyblonde]

Simple fact is because they have a lesser ability, they drive slower and take longer at junctions, so they cost the insurance companies less.


That line just made me laugh. Anyone who sits in the passenger seat next to me knows full well I don't muck about at junctions.........and are usually gripping the door grip. I do take charge, taking positive authority at a junction, but am very concious of driving correctly at road speed. That's not slow, women are more concious of driving safely.....most of the time ;)

[missyburd]

Anyone who sits in the passenger seat next to me knows full well I don't muck about at junctions.........and are usually gripping the door grip.
LOL I grip door grips 'cos cars lean the wrong way round corners, nothing to do with the driver's skills :p

[dizzyblonde]

See OP "You'll usually get a refund for the rest of the year, but may face an exit fee and lose this year's no-claims bonus. "

So likely yeah.

Refund for rest of year, which usually conveniently adds up to the amount charged as an exit fee.

Basically, they are cashing in on women panic buying, thinking its a good idea as its been recommended to them*, but the only one that benefits, is the insurance company getting loads of premiums paid for early. By the time you have cancelled your policy, lost out on a refund because of exit fee, you may as well wait til next year for your renewal, as it will cost you the same amount, in whatever situation you are likely to accept.....and your no claims bonus will still be there next year too ;)

*by insurance companies.

[yorkie_chris]

That's not slow, women are more concious of driving safely.....most of the time :wink:

Ahahahahahaha!

I'm doing about 700 to 1000 miles a week at the moment... and you're talking b*llocks... the number of women farting about, stopping dead at roundabouts when it's clear, bumbling around not knowing what lane to be in cos of following spack-nav despite clear signage, carreering across lanes at junctions in their own little pretty world... well it more than balances out the fast lane flashers in their rep mobiles and pasty munching white van men trying for the land speed record.

Ralphs got a point, so has LPH. Women crash through incompetence... men crash from thinking they are more competent than they are, or simply more miles covered and averages catching up.


It's a crock of poo on that score as far as age is concerned, 36 and female i still get wacked with extortionate premium, even though my elderly OH has maximum no claims. I may as well be 17 and driving a chav chariot!

You drive a chelsea tractor on the school run, you deserve to get hammered for tarring yourself in same brush as all dippy bints picking up tarquin and lancelot in their range rovers... what you expect

[-Ralph-]

Your passengers gripping the door grip when you drive is a positive thing? I'd rather my passengers felt comfortable and assured whilst trusting in the driver, not gripping the door grip in fear of their lives. :lol:

[dizzyblonde]

I don't drive to school so......:smt110

As far as women vs men, its a general level of incompetency. I have no idea how some people have ever learned to pass a test, let alone be allowed in a car in the first place. I don't like dilly dally drivers. I don't use sat-nav(if I can help it, only as a last resort)
Regardless of gender, the driving standards in this country is appauling, be you female, male, old, young......as for the locals here, they all learned to drive on an elephant called Simba :rolleyes:


Maybe I'm just a bloke in a dress, I can't stand women drivers either, if I have sit in my mothers car, I have to take ten tramadol and a bottle of vodka, just to stop me throwing her out of the window and driving myself!:p

Ralph, I am far from putting my passengers fearing for their lives, I just don't muck about like your stereotypical female driver at a junction. Funny, it only happens in the Freelander, the rollerskate doesn't quite have the same effect....

[-Ralph-]

I just don't muck about like your stereotypical female driver at a junction

Neither do I, in fact at most junctions I've scoped the traffic flow out in advance, slot into it, and don't even stop, but my passengers don't grip onto anything.

[Spank86]

Believe it or not men and women ARE different! :shock:

They are not equal in every respect, and again I'm disappointed to see EQUALITY prevail over REALITY. If the risk/cost of insuring males is greater than females then they should pay more.

I know they are different but that's not relevant.

I am none of those other women any more than I'm one of those other men. I'm me.

[dizzyblonde]

Oh well, I shall smile at my wobble box on wheels, knowing I've got 8yrs no claims on a bike, and 2 years in a car, as thats all I've been driving..... being female, I don't think thats bad at all.

On another note, I wonder if not crashing or bumping your car is genetic. My father has got over 30yrs no claims. My mother similar(shes been driving less), my brother has 15, and so far touch wood, I'm not doing bad either.


My grandfather once was told he was lying when he said he had never claimed a penny off his insurance in 50 yrs of driving.


.....and yes, I am fully aware that you cannot have that many years of NCB. However, to go through your entire driving career and never claim a damn thing.......

[Spank86]

Of course there were less cars on the road back then.

I'm pretty sure my dads never claimed off insurance although he did once crash into a duck pond.

[missyburd]

I don't use sat-nav(if I can help it, only as a last resort)

First tme I used sat nav was last week, on the bike. And that was because of some unforeseen motorway closure that prevented me from getting to my meeting place and stuck in a place I would rather not have been...so thought I'd try out the spacnav on my phone...yes it got me there but HELL how do you people cope with those things! I had the woman telling me where to go cos the sun was bouncing off the tankbag pocket so couldn't see the phone too well, argh annoying thing. Only out of pure desperation shall I ever use one again.

[dizzyblonde]

Like I said, I only use one as a last resort, never have the woman telling me what to do.......Pete had her yapping away once when we first got satnav, and I told him to gag her or I'd stab her in the head with a pen!

[DJ123]

it's always expensive when you're young. Mine has got considerably cheaper and i don't mind paying what i do for it (bike and car).
my car insurance is about £600 fully comp with low excess

[Berlin]

21st December is my birthday and as I'll be 42 I don't think I need to be that concerned.

21st December is the end of the world so none of us need to be too concerned! :@)

[-Ralph-]

And thats the reasoning all women use, it what I get from my wife - I havent had an accident in the last 15 years (despite bashing the car on wheelie bins, hitting wheels on curbs, and scratching it down the side on trees and hedgerows and spinning it on the M8 she just got lucky and didnt hit anything) and Ive never been caught for speeding, therefore Im a better driver. Its bolox, I get in the car with her at the weekend and wonder how she survived the last week!

(2 years and 8 years aint exactly great sample size to make a judgement on BTW DB).

If women bimble around in their own little world relying on all the blokes to avoid them when they maneuvre oblivious to those around them, then they are not going to get into a big accident. As already said its no justification. Women do have accidents more often than men.

[shonadoll]

I think as well woman are smarter because they don't claim for small accidents, like a small bump as they realise that it's not worth it financially. I've driven (quite briskly) for 19 years and have once hit a wheelie bin at 5mph. ;0)

[yorkie_chris]

Oh well, I shall smile at my wobble box on wheels, knowing I've got 8yrs no claims on a bike, and 2 years in a car, as thats all I've been driving..... being female, I don't think thats bad at all.

Never mind NCB... how many bumps...
In how many miles?

[dizzyblonde]

Ralph, I can't give any other example for myself.
I've already said my mother has driven for 30 yrs without accident. It's quite a chauvinistic approach to say all women bimble about, whilst men avoid them.
Your wife might be a terrible driver, as is my mother, but for 20 years she drove mental patients around the country on excursions and holiday as she was a very much trusted driver.
You are quite like Peg in a way, when he pronounces he's driven for over 20 years, and is far more experienced for me to pull his driving skills, I remind him, who has half a leg, has three points for speeding, and has sat a driver's course after not learning his lesson the first time. I constantly remind him the car prefers blue paint when dragging down bushes on small lanes.Sometimes his driving is ruthless.......but I forgot you are men and far superior and therefore right, even after your right foot gets you in trouble. Or indeed totalled your bike. I've come off once in 8 yrs on a bike, coz I was stupid. I've bumped the car once early on, because some
woman...yes woman...decided to park her elephant behind me as I was reversing, she slid into a no parking area under a fire escape, as my head was turned the other way, making sure the driver on the other side of me had given me enough room.
It's fair to say, as far as riding or driving is concerned I will always have lessons to learn. However, peg is more than complimentary about my riding, although he doesn't say much about my driving, there's not much to say, I'm a new driver, simple as that.

A lot of problems with women's driving is there is always a prat of a husband telling them they are rubhish drivers therefore knocking confidence, when their own skills are not precisely desirable.

You can't go around tarring all women with the same brush.......equally men.

[yorkie_chris]

It's quite a chauvinistic approach to say all women bimble about, whilst men avoid them.

You can't go around tarring all women with the same brush.......equally men.

You tend to do with wild claims of female safety and mens b*llock driven lunatic antics... you have done in that very post...

[dizzyblonde]

No, I am saying you can't say all women are bumbling idiots, equally you can't say men are lunatics.

Our personal experiences, do show this to be from time to time. I have highlighted both in my post to show this.
My dad on one hand cringes at my mums driving, but on the other sings her praises. Myself and Peg are the same. We all have our flaws, but, collectively we are all pretty good drivers and riders. Nobody is perfect.

However, that woman on the M60, bashed up pug, swerving into the side of my new car on Saturday because she was on her phone.........Bad bad bad, she missed thankfully, equally that male trucker from Poland who was probably half asleep.

I don't see men or women higher or lower than each other on the road. I see driver's not gender.
Personally as far as insurance is concerned I think yes, they should be equal. I don't think its fair for women's to rise so much, I do however think it would be fairer for men's to be lowered a little. Insurance should be adjusted to make it fairer to everyone in this case, so everyone sees a change, not just the one gender.

[-Ralph-]

I've already said my mother has driven for 30 yrs without accident. Your wife might be a terrible driver, as is my mother....

Case in point - your mother's driven for 20 years with no accidents, yet you admit shes a terrible driver

It's quite a chauvinistic approach to say all women bimble about, whilst men avoid them.

Chauvinistic yes, but still true

I remind him, who has half a leg, has three points for speeding, and has sat a driver's course after not learning his lesson the first time

Like I say my wife pulls this kind of reasoning on me too, she hasn't crashed a car in 15 years, whereas I wrote on off 4 years ago. But what did you just say about your mother??

but I forgot you are men and far superior and therefore right

Correct my dear!

woman...yes woman...

Case in point again


A lot of problems with women's driving is there is always a prat of a husband telling them they are rubhish drivers therefore knocking confidence

Why is it men don't get affected in the same way by their wife's back seat driving?

You can't go around tarring all women with the same brush.......equally men.

I can if the stereotype is true.

Which it is.












at some point she'll realise I'm winding her up

[widepants]

at some point she'll realise I'm winding her up
no she wont , shes a woman

[dizzyblonde]

:lol:.... I noticed last night, you can't tell me you've not noticed me doing the same then? ;)

As for my mother, its not that shes terrible, its the fact she takes so long about something, I could be halfway to Timbuktu by the time she's maneuvered or whatever. She plods, and not too sharp...it drives ya nuts!

[pegasus]

25 years driving & 28 years riding, 3 points and a driving course, hmmmm now let me think, doesn't sound like a bad driver to me, actually sounds pretty respectable.

[dizzyblonde]

My god, that makes you eleven hundred and eleventy ten.......hmmmmm I think you are too old to be driving, and need to see a nurse to check on your reflexes old man! :-s :smt110

[Spank86]

At the end of the day whatever group you wish to attach yourself to or claim drive in a certain way you're still using other people to justify your driving.

Why should any single woman or man have a lower premium just because a bunch of other women or men are 'good drivers'.

Due to more women than men getting pregnant they usually have more paid leave over their lifetime but that doesn't stop 'equality' campaigners asking for equal pay (and that's equal pay but actually extra pay if they get a wedge of time paid but not worked during maternity leave)

Not that I'm suggesting it should.

[dizzyblonde]

Pretty much what I said a couple of posts ago.

As an aside, to your maternity leave, it was said on the news a day or three back, it would take s woman 15 years to claw back income after being on maternity leave, to be equal with colleagues earnings. I have no idea where they get that from, but I didn't do too bad! Although now I have no personal earnings at all.