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| Diamond Car Insurance specialise in women only car insurance, and the web site has an online quotation facility. Why is it that women can often get cheaper car insurance than men? A good question and one we hear often. The answer is that, women drive differently to men. Generally speaking, women have the same number of accidents as men, but it's the seriousness of the accident that is very different between the sexes. Typically, an insurance company has to pay out more to fix a car when a man has an accident as the car has to be extensively repaired. 96% of convicted dangerous drivers are men Women have a different pattern of driving to men. They drive shorter distances, have lower mileage and tend to drive more slowly. Men are convicted for 92% of driving offences and 96% of all convictions for dangerous driving. Given these ways in which the sexes drive differently and the actual claims experience of insurance companies, you can see why an insurance company will decide to generalise that women drivers are 'safer'. The difference between the sexes is at its height in the late teens and twenties. Over 30 and things tend to even out and men over 75 are often regarded as the safer risk. Things could well change though. A survey by our sister company in 2004 showed that more women than men often feel angry when driving. Also, many women are now driving longer distances and at higher speeds. But until the statistical evidence shows that there has been a swing, insurance companies will still rate women differently from men. |
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