Posts Tagged ‘women drivers’

Cheating husbands may need more than good car insurance!!

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Men are regarded to be more likely claimants from their car insurers. There has been quite a bit of discussion on this topic – and especially about the assumption by some female drivers that they are not only perceived as safer drivers…but that they might actually claim to be better drivers!

Accident crash statistics provide proof that women do claim less from car insurers – and these claims also differ from the vehicle damage suffered by their male counterparts. There are a variety of reasons why women are regarded as safer drivers – and this has created a unique segment in the car insurance industry – car insurers providing products for women only!

Cheaper car insurance premiums for women are the result of the driving behaviour of both men and women – and are not motivated by their attitude towards love and relationships. It is however interesting to note what has happened to the vehicles of some cheating husbands and boyfriends…!!

Car Insurance claims from this vehicle damage might only be the tip of the iceberg of problems that might be awaiting them!!

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Do women pay the car insurance premiums reflecting how they drive?

women_drivers_insurance-300x161National Women’s Day is an annual public holiday in South Africa on August 9. This commemorates the national march of women on this day in 1956 to petition against legislation that required African persons to carry the “pass”, special identification documents which curtailed an African’s freedom of movement during the apartheid era.

Today our country and our women have come a long way – and the important role that women play in society is recognized. Not only are women the role models for many of our children – but they participate actively on leadership roles in government and employment!

It is generally accepted that women are less of an accident risk than men – and many car insurance companies offer preferential rates to women. There is always much debate between men and women on who might be the better drivers – but fact remains that women claim less from car insurance than their male counterparts. The nature of the accidents that they are involved in also differs!

Pay As You Drive and Women DriversB15 Hollard_PAYD_250x250

In an earlier blog post on Pay As You Drive car insurance we have discussed how life changes could affect your car insurance premium.

This is of specific importance to our women drivers who might undergo changes to their relationship status by getting married – and experience significant changes to their driving behaviour as they follow their husbands to a new location, become mothers and drive around their children etc…

We would like to urge all our female drivers to consider their driving behaviour and to ensure that they pay no more for their car insurance than is necessary! Pay only for how far you drive and compare insurance quotes to find the product that fairly reflects on your needs!!

Also view:

Why do some car insurers focus on women only?
Do women deserve cheaper car insurance premiums?
How do car insurance claims by men and women differ?

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How do car insurance claims by men and women differ?

There will always be a debate amongst men and women about their driving abilities. Men often mock their female counterparts for the way they drive – and women point to car insurance companies offering lower premiums to women drivers as proof of their safer driving!

How do car insurance claims by men and women differ

We cannot deny that there are fewer car insurance claims from female drivers. This is a fact – and allows some car insurance companies to focus on the female segment of the driving population with specialized products.

It seems fair to say that women are “less of an accident risk” – but also unfair to say that women are better drivers. There are many reasons for the reduced accident claims from female drivers. These include:

- Driving much less / Fewer kilometres travelled
- Driving in less congested traffic
- Driving with young children and as a result often driving slower
- Etc

Earlier today I added a news story to the Accidents Blog titled “Woman crashes car into house after losing control”. This made me think of the accidents caused by both male and female drivers and how this might differ.

It is best to approach the car insurers to find information about the typical accidents caused by both genders. Research by women’s car insurance specialist, Diamond has found there are certain types of accidents women are more likely than men to be involved in. Diamond studied data from over two million accidents over five years and found a marked difference between the types of accidents men and women have.

The list for women includes accidents in car parks, bumps on roundabouts and prangs at traffic lights.
Male motorists are more likely than female motorists to have a head- on collision, drive their car up or down an embankment or hit a crash barrier.
Other interesting findings include:

- Women tend to be in more accidents at slower speeds, where cars are close together.
- Men have more high-speed accidents where it is easy to lose control.
- Research suggests the way men and women drive is different.
- Men drive faster and more aggressively than women, while women are more easily distracted than men behind the wheel of car.

It is not only the accident claims that differ- but also other vehicle related claims:

- Women are more likely to have their car broken into and have something inside stolen – They are more likely to leave expensive items like their handbag or sunglasses on show than men.
- Men are more likely to have their car stolen outright.
- Men’s cars are also more likely to catch fire than women’s and they’re more likely to drive through a flood.
- Men are also more likely than women to claim for fuel contamination.
We would like to share the list of claims often received from both genders:

Types of claims more common among women:

- Hitting another vehicle in the rear
- Hitting another vehicle from a minor road
- Reversed into another vehicle
- Collision on roundabout
- Collision in car park
- Theft from vehicle
- Hitting a wall
- Hitting a lamp post
- Collision at traffic light junction
- Hitting a cyclist

Types of claims more common among men:

- Changing lanes and hitting another vehicle
- Driving up or down an embankment
- Vehicle stolen
- Hitting a crash barrier
- Hitting an animal
- Head of collision with another vehicle
- Hitting a tree
- Driven through flood
- Vehicle caught fire
- Fuel contamination

Also view:
- Do women deserve cheaper car insurance premiums?
- Does cheaper car insurance imply women are better drivers?
- Why do some car insurers focus on women only?

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US Car Insurance company lists most dangerous drivers by occupation

Written on February 19th, 2010 by admin
Categories: Car Insurance Advice

most-dangerous-drivers-by-occupationWe have previously added a blog post to the car insurance blog titled “Which occupation has the worst drivers?” In this study the UK Insurer, Churchill Car Insurance disclosed that computer engineers / geeks have the worst road accident records while farmers are the safest drivers!

According to the UK study computer engineers topped the list of those professions making the most accident claims in the last three years. The second most-claiming professionals were sales managers, followed by chefs, students and doctors.

The UK list compiled by Churchill Car Insurance of most frequently claiming occupations are:

  1. Computer engineer
  2. Sales manager
  3. Chef
  4. Student
  5. Doctor
  6. Estate agent
  7. Surveyor
  8. Customer adviser
  9. Hairdresser
  10. Social worker

Which occupation has the worst drivers in the US?

Insurance.com has made the fascinating finding that attorneys and judges may not quite be so adherent to the rules of the road, topping a list of the top 10 most dangerous drivers by profession.

The insurer found 44% of attorneys claimed a prior accident when looking for a car insurance comparison quote from insurance.com. The findings were based on accident claims as a percentage of quotes in which drivers need to give details of their driving record.

Second in the list came financial professionals followed by government workers while the study found the least dangerous drivers were athletes, with only 17% reporting prior accidents, and homemakers at 24 percent.

“Professions that demand multi-tasking – being on the phone, moving fast on a tight schedule – are prone to more distractions and, from there, more accidents,” said Sam Belden, insurance.com VP, in a statement.

“Though the job of a homemaker demands multi-tasking, young children are often along for any car ride and when children are involved, people tend to take their time and use greater caution.”

He added that homemakers and athletes also tended to be off the road during rush hour.

The US list compiled by Insurance.com of most frequently claiming occupations according to driver record and info disclosed are:

  1. Attorney/Judge
  2. Financial professionals
  3. Government worker
  4. Bartender or waiter
  5. Business professionals
  6. Dog groomer
  7. Marketing/advertising professionals
  8. Barber/stylist
  9. Coach
  10. Nurse

May we never “judge” too soon the driving ability of a person by his occupation!!

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Car Insurer finds women fear parallel parking!

Written on September 28th, 2009 by admin
Categories: Car Insurance Advice, Car Statistics, Cheaper car insurance

parallel-parkingWe have discussed the FACT that some insurers regard women drivers as safer drivers and are willing to allow them a reduced premium for car insurance. But can they park – and more specifically perform parallel parking?

A UK insurance company has found that women are far more scared of parallel parking in public than men. The survey questioned both men and women on their fears and emotional well-being when having to park in public with others observing their driving skills!

According to the survey, the chances are the driver breaking out in a self-conscious sweat at the wheel will be a woman. They are particularly prone to becoming flustered when parallel parking – reversing a car into a tight kerbside space.

Three-quarters of women drivers admitted that backing into a space is sometimes too tricky even when there really is enough room. More than one in five admits they are hopeless under any circumstances and that compares to only nine percent of men.

But how many drivers were surveyed?

The survey of 4200 drivers – 1428 men and 2772 women – by motor insurer elephant.co.uk supported the adage that parking is a masculine strength and that women might not be as spatially aware as men.

Seventy-five percent of women say parking was more difficult when being watched; only 47 percent of men conceded stage fright at the wheel. It could however be that the male pride and ego could account for so few men admitting to stage fright…

In another interesting research study by the Automobile Association in the UK found that 34 percent of drivers would fail on parallel parking if forced to retake their driving test. Perhaps the fear expressed by our female drivers is not so unfounded…

We know that women are viewed as the safer or more responsible drivers…but perhaps they might need to park in a safer spot a bit further away if they are to avoid those unnecessary car insurance claims for side-swipe or fender bender accidents while parking!!!

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Does cheaper car insurance imply women are better drivers?

Written on August 21st, 2009 by admin
Categories: Car Insurance Advice, Cheaper car insurance
Are women better drivers?

Are women better drivers?

A friend asked me to share my thoughts on this often heated debate. This is a topic that raises the voice levels amongst those trying to protect the “reputation” of their specific genders – I however promise to approach this in a calm, factual manner and through a discussion of a few scenarios. I will also be asking a few important questions in response to some of the arguments often raised!

Women will always raise as a very good argument the existence of an insurance company such as 1st for Women Insurance Brokers. This insurer says on its website the following: “..1st for Woman Insurance Brokers has always maintained that women are safer and more responsible drivers than men. In other words women are a better insurance risk and can therefore benefit from lower insurance premiums.”

I must admit that this is a very strong argument. I must also compliment this insurer for carefully selecting the words “safer and more responsible” and not the word “better”! Safety would always be an important consideration in identifying our best drivers…We would also have to recognize that there are many factors that could contribute to the statistics on vehicle accidents favouring our female drivers. But for any woman to refer to her gender as “better drivers” could however be far from the truth!!

To play devil’s advocate we would have to compare driving to the scenario of swimming accidents at sea. It is quite possible that there might be more male drownings at sea as well…But does this say that women are better swimmers? If you tend to splash around in the shallow water – does that make you a safe swimmer or a good swimmer?

I believe that the testosterone driven male species might pose a greater accident risk as a result of the following contributing factors;

  • Over-confidence
  • Showing-off
  • Excessive speeding
  • More instances of drunk driving and late night driving
  • Greater vulnerability to road rage etc

I am also convinced that the lower risk posed by female drivers could be as a result of:

  • Driving shorter distances
  • Driving at lower speeds
  • Greater responsibility in transporting children in urban areas
  • Less driving late at night and whilst intoxicated
  • The ability of many non-permanently employed women / stay-at-home moms [not many nowadays] to structure their driving away from rush hour and dangerous areas.
Maybe?

Maybe?

Men would however be less likely to cause a fender –bender accident whilst putting up make-up or attending to hair in the mirror. They would also not bother to look their passengers straight in the eye when communicating whilst driving! [Ok- I will stop here as I promised not to be nasty...and before I lose my last female friends.. ]

If we say that driving experience is an important criteria for a safe driver – [a reason why younger drivers pose a greater risk] – would it not be reasonable as well to say that the average male at a specific age would have driven a greater distance and confronted more hazards on the road than his female colleague of the same age? Would it be fair to say that this additional driving experience might make him a better driver?

Only if the driving conditions and driving requirements [stress/ workload] upon women and men were exactly the same would we be able to establish an answer resembling something such as a “better driver”.

Maybe not!

Maybe not!

So how could we possible create a test to determine the “BETTER” driver? I would like see an insurer sponsor the following driver test:

Randomly choose 10 drivers from each gender – 2 each in their 20’s, 30’s, 40’s, 50’s and 60’s without professional driving experience and have them drive the exact same route in an urban area under “rally” conditions. They would then have to drive at the same speeds at pre-determined sections to reach road markers within specific times and with the same directions given. We would make this more interesting with “real life” scenarios by adding specific threats on the road eg…pedestrians, vehicles moving into their way from the side and create emergency situations. This would allow us to better establish on average which gender the better driver might be…

How many male and how many female drivers do we have in South Africa? Our friends from eNaTIS provided interesting stats:

Male and Female Drivers in SA

Male and Female Drivers in SA

For now this question on the “BETTER” driver would remain unanswered…We could all be thankful for our safe female drivers …the more safe female drivers sharing the road with us the BETER and the SAFER!!!

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