Posts Tagged ‘young drivers’

Older drivers spot road hazards earlier than young drivers!

Older-drivers-more-likely-to-spot-road-hazardsWho is the biggest risk on our roads –young drivers or old drivers?

The answer – without a doubt – is our younger drivers! Even though they might have sharper reflexes, their attitude and driving habits pose far greater risks to other road users. Older drivers not only have far greater driving experience –but also the commons sense and knowledge to adapt their driving and to anticipate risks on the road!

Study on drivers and the awareness of road risks

Though younger drivers are widely believed to have quicker reaction times, drivers with more experience behind the wheel are more aware of potential hazards of the road. For a study that appears in the July issue of Accident Analysis and Prevention, researchers shot six short films through a car windshield.

Each film included unplanned, potentially hazardous events, but four also contained a planted, “highly hazardous” situation, such as someone driving recklessly further up the road. The researchers recruited 21 young drivers (average driving experience: less than three months), 19 experienced drivers (with seven years of driving experience) and 16 elderly drivers (more than 37 years experience).

The participants were told to press a button when they saw a hazardous situation in the films. After seeing a major hazard the young, inexperienced drivers were less likely than the others to report smaller, potential hazards, such as children walking near the curb. Using an eye-tracking device, the researchers also found that more experienced drivers were more likely to watch for merging traffic. At the two T-intersections in the films, experienced drivers tended to look to the right, where cars might be preparing to turn into the driver’s lane, while younger drivers tended to look straight ahead.

[Caveat: The researchers measured how long drivers took to recognize a hazard, but not how, or how quickly, they would respond. Vigilance, perception and response times could be significantly different in real driving situations.]

Younger drivers and fatal accidents in South Africa

The results from this study become even more important when we reflect on the 2009 Fatal Crash report in South Africa.

2009 Road Crash Fatalities per Age Group in SA

2009 Road Crash Fatalities per Age Group in SA

These statistics reveal that far more young drivers are the involved in and victims of fatal crashes!

2009 Road User Fatalities per Age Group in South Africa

2009 Road User Fatalities per Age Group in South Africa

Conclusion and Advice on Car Insurance for different age groups

It is well known that young drivers and elderly drivers have more difficulty in finding affordable car insurance. The above data might justify the higher insurance premiums imposed by car insurance companies on younger drivers.

This does however also strengthen the argument from the elderly that they are perhaps unfairly penalized – and that they are actually much safer drivers….

We would like to invite visitors to also view the following sections:

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2009 Crash Report confirms threat of young drivers to Road Safety

Crash-Report-Road-SafetyWe have written quite a bit on the Car Insurance Blog about the risks that young drivers pose to road safety and , perhaps more importantly – how these younger drivers struggle to find affordable car insurance!

The younger male drivers are perceived to be the greatest risks to road accidents and car insurance claims, hence the more expensive car insurance premiums they have to pay!

It is however often difficult to find factual evidence of these risks. This is why the 2009 RTMC Crash Report makes such interesting reading. The Road Traffic Management Corporation compiles this report from all the fatal crash statistics gathered by the various police stations in South Africa.

It is most important to remember that this Report is a Fatal Crash Report – and reports on accidents where there have been road deaths. This will not reveal all the minor fender bender accidents which might also have resulted in car insurance claims – but focuses on fatal accidents.

2009 Crash report: Fatalities per Age Group and Gender

fatalities per genderThe percentage of fatalities per age group and gender for the year 2009 (only for the cases where this information is available) are reflected in the graph below.

fatalities per age and gender
The above information shows that in the order of 76,20% fatalities during 2009 were male and 23,80% females. 92,54% of all drivers killed in crashes were male and 7,46% female.

It is alarming to find that so many more fatalities are that of male drivers and passengers. This strongly supports the argument by car insurers that younger male drivers are more irresponsible – and their female counterparts are much safer drivers!

This is also strong report for the finding referred to in an earlier blog post that there are significant differences in the accidents caused by male and female drivers!!

Also view:

2009 Fatal Crash Report for South Africa

Young Drivers and Car Insurance

Female Drivers and Car Insurance

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Young drivers should slow down for cheaper car insurance!

Written on July 7th, 2010 by admin
Categories: Car Accidents, Car Insurance Advice, Insurance Articles, Road Safety

Young drivers are high risk drivers

We have previously referred to the young drivers as the “highest risk drivers”. Vehicle crash statistics have proven that drivers from the age group 18-25 are more often involved in accidents – and they will as a result struggle to find affordable car insurance!

Young drivers should slow down for cheaper car insurance

Contributing factors to these accidents include speeding, lack of driving experience, drunk/impaired driving etc.

These trends are not unique to one specific country or location – and can be found across the globe!!

Research on Young Drivers & Driving Behaviour

Interesting findings have been released recently after research by road safety charity Brake, in association with FedEx Express.

The research revealed that more than half of young motorists admitted to driving at speeds in excess of 70mph on quiet rural roads. Meanwhile the same amount, 56 percent, revealed they had driven at speeds of more than 40mph in a 30mph zone.

Ellen Booth, campaigns officer for Brake, said: “Many young people get a thrill from driving fast with their friends in the car, but because of the way young people’s brains develop, they often don’t yet have the ability to control their thrill-seeking tendencies.

“They often feel invincible and over-estimate their power to get out of trouble.”
Numbers from the Department for Transport in the UK concur with this view – 43 percent of the victims who died on Britain’s roads in crashes involving speed were aged between 16 and 25 years old.

Young Drivers and Car Insurance

Vehicle crash statistics and these research findings justify the expensive car insurance premiums payable by young drivers. Young drivers will need to slow down if they want to become eligible for cheaper car insurance. We would like to advise the following:

• That they reduce speed on the road
• Avoid drunk driving
• Strive to maintain an accident free record
• Attend advanced and safe/ defensive driving courses
• If they don’t drive much, consider Pay As You Drive Car Insurance Products
• Pay attention to other factors that might reduce their car insurance premiums such as vehicle security systems, locked parking etc

Also view:

Why do young and elderly drivers pay so much more for car insurance?

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Why do young and elderly drivers pay so much more for car insurance?

Written on May 24th, 2010 by admin
Categories: Car Insurance Advice

Why-do-young-and-elderly-drivers-pay-so-much-more-for-car-insuranceIf you have just received your license to drive, you and your grandfather might be in the same boat when it comes to car insurance premiums – You will both be annoyed with your car insurance premium and believe that you pay too much. You will most probably claim that you are a much better driver than your elderly grandfather –and your grandfather will argue that he is a much more mature and experienced driver than his adrenaline driven grandchild.

So why do you both fall in a high risk category and have to pay more for car insurance?

We have shared on this blog information about both young and elderly drivers, but believe it would be nice to compare these 2 risk groups next to one another. Both young and elderly drivers have characteristics that impact positively and negatively on their car insurance – ad we would like to share these pro’s and con’s with one another.

Young Drivers [18-25years]

Factors/ Characteristics that reduce the risk of accidents

  • Good physical shape and driver fitness
  • Good eyesight and strong reflexes

Factors/ Characteristics that increase the risk of accidents

  • Tendency to be risk-takers and likely to be “showing –off” and be influenced by peer pressure
  • More likely to be distracted by cell calls, texting, passengers and loud music
  • Likelihood of driving drunk
  • Driving late at night

Elderly Drivers [65+ years]

Factors/ Characteristics that reduce the risk of accidents

  • Much less distance driven by the elderly
  • The elderly adapt their driving to avoid congested traffic and late night driving
  • Many years of driving experience
  • More likely to concentrate on the road and less likely to be distracted

Factors/ Characteristics that increase risk of accidents

  • Reduced physical ability and fitness to drive
  • Reduced eyesight, hearing and slower reflexes
  • Increased anxiety – especially in congested driving conditions
  • Even though they have many years of driving experience – this was done when exposed to much less congested traffic.

How do the accidents caused by young drivers compare to those of elderly drivers?

Researchers at Kansas State University recently released findings from a crash study amongst different age groups based on involvement and severity.

It was found that even though seniors drove less than younger drivers, their car accidents were more severe, often resulting in injury or death. Compared to the rest of the population, older drivers had the highest incidence of fatal, incapacitating and non- incapacitating crashes, the highest percentage of crashes in daylight, and the highest incidence of accidents at intersections.

The study found that most elderly driver accidents occurred in traffic and often involved hitting another vehicle while driving straight ahead or making a left-hand turn. Younger-aged drivers are more likely than the elderly to drive off the road and hit something.

Conclusion and advice to these age groups

It is internationally accepted that young drivers and elderly drivers will always pay more for their car insurance. It should however not merely be accepted as such – there are still ways for these drivers to reduce car insurance premiums.

Advice to Younger drivers:

  • Shop around for your car insurance – make your increasing years of driving experience and age count as you get older
  • Try to maintain a safe, accident free driving record
  • Find an accredited advanced driving course recognized by your car insurance company
  • Be alert to the effect that the car you are driving might have on your premium
  • Pay close attention to vehicle security systems and safety features that could reduce your premium

Advice to older drivers

  • Try to maintain your safe, accident free record
  • Ensure that your lifestyle counts in your favour and you get recognized for the safe area you stay, your closed garage, vehicle security systems etc.
  • If you drive less – this should be recognized in your premium – enquire about Pay as You Drive Car Insurance

We would like to invite all our young and elderly drivers to view the Car Insurance Blog for more information on car insurance advice and road safety advice to keep them safe on the roads!

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