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Has Sheilas wheel fallen off?

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By *ezebel OP   Woman
over a year ago

North of The Wall - youll need your vest

Should women pay the same as men for car insurance?

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By *iamondsmiles.Woman
over a year ago

little house on the praire

Yes, women have always fought for equality.

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By *etillanteWoman
over a year ago

.

They have been told that they have to charge the same for women as men

So they will no doubt put womens charge up to the same as mens

why not meet in the middle

if a man pays say 300 and a woman 200

make it 250 for either of them

but the robbing b*****ds are gonna put it up for women to 300

win win situation for them

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By *ezebel OP   Woman
over a year ago

North of The Wall - youll need your vest


"Yes, women have always fought for equality."

I agree, but its a question whether the premium is based on equality or the assessment of risk

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By (user no longer on site)
over a year ago

If statistical analysis can demonstrate that women drivers are less likely to cause accidents/damage to their cars/others' properties, then I believe for them to pay less in car insurance is justifiable.

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By *ustyWoman
over a year ago

inverclyde

men cause more accidents than women so make them pay more lol

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By (user no longer on site)
over a year ago

end of the day insurance is calculated by risk.. so i dont think it should be set the same..

otherwise you could use the Ageist rule, so that a 17y old is charged the same as a 45 y old who has been driving for nearly 20 years.

i just think its daft that, when money is tight.. different things like this keep coming out. causing people to have to pay out more..

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By (user no longer on site)
over a year ago

I dont drive so could'nt say but equality is that so why not pay the same. The pension age is now the same only fair.

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By *he_original_poloWoman
over a year ago

a Primark shoebox in Leicester

Insurance is about the individual and risk factors.... why should I pay the same as someone who is statistically a higher risk?

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By *atisfy janeWoman
over a year ago

Torquay


"I dont drive so could'nt say but equality is that so why not pay the same. The pension age is now the same only fair."

Because statiscally young men are the highest risk group.....why should I pay the same as the sector that costs the insurance industry the most? (regarding accidents)

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By (user no longer on site)
over a year ago


"I dont drive so could'nt say but equality is that so why not pay the same. The pension age is now the same only fair.

Because statiscally young men are the highest risk group.....why should I pay the same as the sector that costs the insurance industry the most? (regarding accidents)"

But dont young suys pay a higher premium anyway

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By (user no longer on site)
over a year ago

About fecking time!! I've always thought these women only insurance brokers should be stopped.

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By (user no longer on site)
over a year ago

my insurence is already stupidly expensive..

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By (user no longer on site)
over a year ago


"About fecking time!! I've always thought these women only insurance brokers should be stopped."

if women are less risk, then why shouldnt we be entitled to cheaper insurence?

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By *icksfocusMan
over a year ago

Pontefract

If it was the other way round and insurance companies were charging less for men, then i am sure this situation would have been resolved way before now

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By (user no longer on site)
over a year ago


"I dont drive so could'nt say but equality is that so why not pay the same. The pension age is now the same only fair.

Because statiscally young men are the highest risk group.....why should I pay the same as the sector that costs the insurance industry the most? (regarding accidents)

But dont young suys pay a higher premium anyway"

me and my former boss passed our driving test on the same day, had the same amount of experience behind the wheel. My car was a 0.8 engine and my insurence was around £300 and she bought a 1.8ltr engine car and hers was only £150. Same company for insurence too

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By (user no longer on site)
over a year ago


"About fecking time!! I've always thought these women only insurance brokers should be stopped."

and searched no doubt!

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By (user no longer on site)
over a year ago

I used a comparison website to insure a second car and a list of insurers and prices came up. I then rang my current insurer to ask for a quote and they gave me a price almost 350 quid more than the comparison website examples. I then went to one of the listed insurance brokers recommended and they quoted exactly what the comparison website said and they said the company they would be insuring me with was - you've guessed it my current insurer!

I'm buggered if I know how the car insurance system works but it seems a lot of the charges are being spread around broker, insurer and underwriter.

All I know is when I learned to drive the man from the co-op came to my mam's and it was sorted out in half an hour. For about twenty quid no matter who drove the car...

Gosh I'm a reet Victor Meldrew these days.

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By (user no longer on site)
over a year ago


"About fecking time!! I've always thought these women only insurance brokers should be stopped.

if women are less risk, then why shouldnt we be entitled to cheaper insurence? "

Not every young chap gets into a wreck, so is it fair that he has to pay for boy racers?

It should be more equal and then those who claim suffer higher premiums.

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By (user no longer on site)
over a year ago

Just a little fact I picked up about insuring new drivers both male and female by putting myself on their policy as a second driver it lowers their costs

work that one out

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By (user no longer on site)
over a year ago


"About fecking time!! I've always thought these women only insurance brokers should be stopped.

if women are less risk, then why shouldnt we be entitled to cheaper insurence?

Not every young chap gets into a wreck, so is it fair that he has to pay for boy racers?

It should be more equal and then those who claim suffer higher premiums."

but we are in a society where we are all guilty until proven innocent.. :D

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By *ezebel OP   Woman
over a year ago

North of The Wall - youll need your vest

So if the principle now is that everyone pays the same regardless of their risk, will everyone pay the same for home insurance - regardless of where they live?

Life insurance?

Medical insurance?

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By (user no longer on site)
over a year ago


"So if the principle now is that everyone pays the same regardless of their risk, will everyone pay the same for home insurance - regardless of where they live?

Life insurance?

Medical insurance?"

just thinkin the same thing.

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By (user no longer on site)
over a year ago


"Just a little fact I picked up about insuring new drivers both male and female by putting myself on their policy as a second driver it lowers their costs

work that one out "

yeah that one came up when I said I just wanted me on this new policy but had named drivers on my other car policy. I was told if I put those on this one I would get a discount - I thought the more people who drove made the risk higher

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By (user no longer on site)
over a year ago

try this one

http://www.quotedetective.co.uk

its pretty good saved me money

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By (user no longer on site)
over a year ago

No just gender, we'll get cheaper insurance and less good pensions.

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By *atisfy janeWoman
over a year ago

Torquay

Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

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By *etillanteWoman
over a year ago

.

Last year my insurance was £500.

when I came to renew the same company want £2000.

I was told they didn;t want my business

now my circumstances hadn't changed and I had 9 years NCB

but my postcode is one which is known for insurance scams. Nothing to do with me I must add

Is that fair

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By (user no longer on site)
over a year ago


"Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

"

agrees

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By *abioMan
over a year ago

Newcastle and Gateshead


"They have been told that they have to charge the same for women as men

So they will no doubt put womens charge up to the same as mens

why not meet in the middle

"

they will meet somewhere in the middle ish... for example if they take young people as an example...

they expect young womens insurance to go up by 25% but expect young mens to come down by 10%

in a way you are at the moment penalising people on the general sex rather than the actual individual..... so i can see why it has come in....

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By *abioMan
over a year ago

Newcastle and Gateshead


"About fecking time!! I've always thought these women only insurance brokers should be stopped."

actually they are "advertised" as that... but they are not... by law they have to give quotes to men if asked...

they reckon that about 5 of shiela's wheels customers are actually men...

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By *ezebel OP   Woman
over a year ago

North of The Wall - youll need your vest


"Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

"

My point exactly. So if they are saying now that car insurance will no longer be based on assessment of risk (which is what I think they are saying?) but instead will be based on equality, will the same principles be applied with other types of insurance?

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By *he_original_poloWoman
over a year ago

a Primark shoebox in Leicester


"

they will meet somewhere in the middle ish... for example if they take young people as an example...

they expect young womens insurance to go up by 25% but expect young mens to come down by 10%

...."

I am not sure that will be the case as many insurance companies argued it was not a seperate premium offerd to women.... but a discount on the standard premium.

Discount removed premium goes up... no one's comes down.

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By *abioMan
over a year ago

Newcastle and Gateshead


"Just a little fact I picked up about insuring new drivers both male and female by putting myself on their policy as a second driver it lowers their costs

work that one out

yeah that one came up when I said I just wanted me on this new policy but had named drivers on my other car policy. I was told if I put those on this one I would get a discount - I thought the more people who drove made the risk higher "

no.... because technically they are going to be using your "time" in the the car... i.e they are driving "instead" of you rather than "as well" as you for example... nipping to the shops...

see didn't make sense to me either but that is the way i was told....

so i have been told when i pass in my "hippy wagon" to add my mum and sis as named nivers... cause my insurance will go down

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By (user no longer on site)
over a year ago


"Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

My point exactly. So if they are saying now that car insurance will no longer be based on assessment of risk (which is what I think they are saying?) but instead will be based on equality, will the same principles be applied with other types of insurance?"

Put it this way, if 60% of accidents in London last year were the cause of black male drivers would you think it fair that all black male drivers in the UK have higher premiums? think the point is that risk assesments should not involve race, sex, religion etc

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By *atisfy janeWoman
over a year ago

Torquay


"Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

My point exactly. So if they are saying now that car insurance will no longer be based on assessment of risk (which is what I think they are saying?) but instead will be based on equality, will the same principles be applied with other types of insurance?"

You see that is where the EU ruling will fall flat on it's face, they will never be able to force the international insurance market to operate on anything but risk.

Their businesses are based ENTIRELY on risk.

Which is why the EU court of arbitration will overturn the decision the first time it is challenged.....and it isn't me saying that, it's the guy from the Association of British Insurers on Radio 4 today at lunchtime.

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By *he_original_poloWoman
over a year ago

a Primark shoebox in Leicester

So next I expect the discount due to being over 25 (is it or 30) to vanish ... because it doesn't matter if you are in a lower risk group because of your age... you cannot discriminate.

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By *abioMan
over a year ago

Newcastle and Gateshead


"Insurance, of all types, is based on risk.

If you live in a sleepy village in the country where burglaries are almost non existant then you pay less for your house insurance than someone who lives in an inner city that has a higher rate of house break ins.

If you are a non smoker you will get better rates for life insurance because statistically you are on average likely to live longer than a smoker.

So if statistically women drivers cost the insurance companies less than for male drivers as regards claims, then it makes sense that that lower risk means lower premiums.

My point exactly. So if they are saying now that car insurance will no longer be based on assessment of risk (which is what I think they are saying?) "

they are still allowed to base on assessment of risk... but not allowed you use "gender" as one of those factors...

for example... still allowed to use:

"age"

or "location"

or "years driving"

or "no claims"

or "where you park the car"

or a million other things....

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By (user no longer on site)
over a year ago

The twins summed it all up, one male, one female, same address, same car, passed their tests within a few days of each other, female quoted £1700 and male £3400, quite shocking, if that’s down to just risk assessment they should refund the difference after a claim free year

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By *ezebel OP   Woman
over a year ago

North of The Wall - youll need your vest


"

they are still allowed to base on assessment of risk... but not allowed you use "gender" as one of those factors...

"

ahhh ok I missed that bit. Thanks

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By (user no longer on site)
over a year ago

Industry analysis says that in the 40+ age group the sexes are pretty much equalled out in terms of risk. This new ruling is more about younger drivers and I would say that young men are more likely to show off with their flash new motor (with blue headlights grrrr) than girls, so this ruling is unfair to women who generally don't own cars with blue headlights (Grrrrr).

But, you can't have it both ways - you're either equal or you're not - and the European Court of Equal Rights are not dictating how we should al live, they are merely enforcing the law that ALL the EU states signed up to.

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By (user no longer on site)
over a year ago

To be fair if you insure with the same company they do start to assess you as an individual liability and not a stat when you have a proven track record of no claims as well as a loyalty discount. Every time I get my renewal I ring up and ask them to do better and they do discount more if you're prepared to haggle. Don't accept their first renewal quotation. I'm more attracted to a company I know and trust for most types of insurance but things are so tight with rising costs you have to shop around now. Its a minefield.

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By (user no longer on site)
over a year ago


"To be fair if you insure with the same company they do start to assess you as an individual liability and not a stat when you have a proven track record of no claims as well as a loyalty discount. Every time I get my renewal I ring up and ask them to do better and they do discount more if you're prepared to haggle. Don't accept their first renewal quotation. I'm more attracted to a company I know and trust for most types of insurance but things are so tight with rising costs you have to shop around now. Its a minefield."

You shouldn't have to haggle though, they should reward good drivers/customers, its a shame that 9 out of 10 times you can beat your renewal quote with the same company by a good bit simply by using a comparison website, they're as bad as sky, give great deals to new customers and forget about the loyal ones until they kick up a fuss.

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By (user no longer on site)
over a year ago


"To be fair if you insure with the same company they do start to assess you as an individual liability and not a stat when you have a proven track record of no claims as well as a loyalty discount. Every time I get my renewal I ring up and ask them to do better and they do discount more if you're prepared to haggle. Don't accept their first renewal quotation. I'm more attracted to a company I know and trust for most types of insurance but things are so tight with rising costs you have to shop around now. Its a minefield.

You shouldn't have to haggle though, they should reward good drivers/customers, its a shame that 9 out of 10 times you can beat your renewal quote with the same company by a good bit simply by using a comparison website, they're as bad as sky, give great deals to new customers and forget about the loyal ones until they kick up a fuss. "

Agreed but its a fact of life companies will squeeze you on price. I just recently tapped into haggling - being british I tend not to complain. I agree Sky is one of the most annoying as they definitely don't reward loyalty no matter how much you mither.

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By (user no longer on site)
over a year ago

At the moment Sky wil give you good deals as they are experiencing customer switch offs like its nobody's business due to the economic climate.

Call them to cancel and you automatically get routed through to retentions and you'll get 3-6 months free. Try it.

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By *atisfy janeWoman
over a year ago

Torquay

Sky are still outstripping customer cancellations by around Three to One with new sign ups, in the last results reported (Q2 December) they reported increased growth to the City Wishy....

140,000 net additions to suscriber numbers....growth up by 7% on Q2 2009.

So not being hit by the recession that much.

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By (user no longer on site)
over a year ago

Yes they should in the name of equality whether one sex is more dangerous/careless a driver or not. I dont think its right for women to fight for equality but then expect cheaper insurance because women are deemed safer drivers.

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By (user no longer on site)
over a year ago


"At the moment Sky wil give you good deals as they are experiencing customer switch offs like its nobody's business due to the economic climate.

Call them to cancel and you automatically get routed through to retentions and you'll get 3-6 months free. Try it."

That does however depend on why you are cancelling or i got lucky with the guy i was talking to as it was dead easy to cancel

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By *abioMan
over a year ago

Newcastle and Gateshead


"Sky are still outstripping customer cancellations by around Three to One with new sign ups, in the last results reported (Q2 December) they reported increased growth to the City Wishy....

140,000 net additions to suscriber numbers....growth up by 7% on Q2 2009.

So not being hit by the recession that much.

"

some of that is going to be people like me going coming from other Companies... for example, i have just jumped from virgin media to sky... and got the same package that virgin were doing me for 25 per month cheaper....

so maybe sky retention are better at keeping people, and in this economic climate people are prepared to look round more than they use to... because i admit until i had my job situation hanging over my head i didn't really....

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