Women's Car Cover
Many factors influence the car insurance premium
rate. UK insurance
for auto insurance has underdone discussion, including debate among
the European Union, about the legitimate risk assessment for women's
car insurance. The insurance cost for women's coverage is typically
lower than quotes for men. The discerning factors used to assess
risk are that women drivers tend to drive differently than male
drivers. These driving habits are assessed as having a lower risk
than the more risky habits of male drivers.
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depict men as having the same frequency of accident as women.
However, men tend to be involved in accidents that are more severe
and have more costly claims than women. Consequently, these
insurance risk factors drive up the premiums for men and lower the
rates for women to match the level of risk of vehicle incidents.
Statistics show women drive slower than men. Women also exercise
more caution and drive shorter distances than men. Consequently, the
risk of accident is lower because of the shorter drive distance for
According to statistics men are primary parties committing driving
offenses that result in convictions. The rate is 88% of all driving
convictions in the UK are committed by men. In vehicle incidents
that are the result of dangerous driving men make up 96% of
Although driver profile and car profile may factor into setting of
insurance rates, driver conduct also plays a role in risk
determination. Women drivers who engage in risky driving conduct,
such as speeding, can compromise lowered rates. The risk behaviors
may overshadow the driver profile for their gender.
In another study (Stradling) 70% of drivers admitted to speeding.
Fifteen percent more drivers admitted to speeding in another study
conducted by Webster & Wells. Although drivers acknowledge
distinctions between safe and dangerous speed limits, speeding is
frequently condoned by more than the average driver.
Despite the stealth speeding and perception that speeding is
standard and acceptable under certain conditions, drivers caught
speeding can be fined, penalized and cause harm to others. Tickets,
penalties and points on driving licences can result in UK insurance
companies reviewing driver behavior to assess a higher risk, and
consequently, a higher premium rate. Drivers who regularly engage in
high risk driving also increase the risk of more serious
consequences such as a driving ban and imprisonment.
Women may face rates that factor in their age. If a woman is
assessed as part of a risky age group, her gender profile driving
credit may be further reduced. Women who are in their teen years are
primarily assessed in their high risk age group rather than their
Adult women who have points on their licences can offset these
deficits and the potentially higher premiums by keeping their
driving record clear over the long haul.
Some insurance agencies specialize in providing women's car
insurance. Comparative shop to find the best deals. Beware of
insurance fraud. Access the Financial Services Authority (FSA)
Register to find out about a firm or insurance party. Check the
Register to confirm that a party is regulated by FSA before
exchanging payment for coverage. Otherwise, if insurance coverage
goes awry, you will have no recourse to complain or receive
The FSA has established professional insurance standards. Among its
warnings is that reputable firms or parties as authorized and
registered through them do not often contact drivers out of the blue
to market insurance.
The FSA Consumer Helpline is available through its website (fsa.gov.uk)
to assist the public.
Copyright Dave Lee