Confirmation Of What We Already Knew
Discussion
I always wondered about this:
Does anyone know, is that statistic based on like for like mileage travelled? Given that most men I know do at least 3 - 5 times more miles than their other half, surely they are exposed to more risk, and more likely to crash...
Not many travelling sales reps, lorry drivers, van drivers, etc etc are women.
someone on yahoo news said:
"Although from an insurance perspective, women's lower premiums suggest that female drivers may not be as risky as male."
Does anyone know, is that statistic based on like for like mileage travelled? Given that most men I know do at least 3 - 5 times more miles than their other half, surely they are exposed to more risk, and more likely to crash...
Not many travelling sales reps, lorry drivers, van drivers, etc etc are women.
I've long had a theory about what makes a better driver but it's almost impossible to prove statistically: Interest in cars and motoring.
Seriously, it strikes me that if you like to drive and enjoy using your car to the point where you go out 'for a drive' rather than to get somewhere, and you buy cars that aren't just the 'bare minimum' and lavish attention on them, then you're likely not just to want to protect your car and licence by driving carefully, but also showing more mechanical sympathy and learning with enthusiasm.
If you don't like cars and roads intimidate you, and driving's a chore, then your enthusiasm isn't going to be behind it. You'll only ever drive one type of car, so an accident may well happen due to inflexibility when it comes to cars (RWD in the wet, reversing a saloon etc). Therefore, technically, a driver's premium, I suppose, could be calculated by gauging their attitude towards cars and driving.
As PHers we know this. Our female PHers aren't any better or worse than our male ones, but the one thing we all have in common is an enthusiasm for cars and driving. Obvious really.
Actually, there is one kind of 'car-loving' driver who I think would be a liability, that splits into two - the 'pose machine' and the 'four wheeled pet'.
The pose machine is something the owner wants to be seen in, and puts this more importantly than watching the road. Might actually be quite a nice car, but will only ever be driven at about 10mph through town centres. Worst offenders? 'Turbo-look' Porsches, BMW 318 Cabriolets, Audi TT.
The four wheeled pet is a happy-face-styled tiny hatch in a horrible colour full of soft toys, covered in stickers and featuring enough dangling from the rear view mirror to knock the driver or passenger out cold round sharp bends. Will be driven like a dodgem as the driver treats the car like a mobile room in the house - a room full of clutter that you can't see out of and distracts everywhere you look. Worst offenders? New Beetle, Daewoo Matiz, New Micra.
>> Edited by v8thunder on Monday 14th February 17:17
Seriously, it strikes me that if you like to drive and enjoy using your car to the point where you go out 'for a drive' rather than to get somewhere, and you buy cars that aren't just the 'bare minimum' and lavish attention on them, then you're likely not just to want to protect your car and licence by driving carefully, but also showing more mechanical sympathy and learning with enthusiasm.
If you don't like cars and roads intimidate you, and driving's a chore, then your enthusiasm isn't going to be behind it. You'll only ever drive one type of car, so an accident may well happen due to inflexibility when it comes to cars (RWD in the wet, reversing a saloon etc). Therefore, technically, a driver's premium, I suppose, could be calculated by gauging their attitude towards cars and driving.
As PHers we know this. Our female PHers aren't any better or worse than our male ones, but the one thing we all have in common is an enthusiasm for cars and driving. Obvious really.
Actually, there is one kind of 'car-loving' driver who I think would be a liability, that splits into two - the 'pose machine' and the 'four wheeled pet'.
The pose machine is something the owner wants to be seen in, and puts this more importantly than watching the road. Might actually be quite a nice car, but will only ever be driven at about 10mph through town centres. Worst offenders? 'Turbo-look' Porsches, BMW 318 Cabriolets, Audi TT.
The four wheeled pet is a happy-face-styled tiny hatch in a horrible colour full of soft toys, covered in stickers and featuring enough dangling from the rear view mirror to knock the driver or passenger out cold round sharp bends. Will be driven like a dodgem as the driver treats the car like a mobile room in the house - a room full of clutter that you can't see out of and distracts everywhere you look. Worst offenders? New Beetle, Daewoo Matiz, New Micra.
>> Edited by v8thunder on Monday 14th February 17:17
Classic!Nonners.....it's true though.
I'm using anecdotal evidence from my driving school days.
In general women are more frightened of roundabouts than men. And reversing is noticably more difficult for them.
Men tended to be arrogant and aggresive.
All stereotypical boxes ticked then.
I reckon we should cull anyone who drives 5 miles so they dont have to use a big roundabout (I know a couple who do).
I'm using anecdotal evidence from my driving school days.
In general women are more frightened of roundabouts than men. And reversing is noticably more difficult for them.
Men tended to be arrogant and aggresive.
All stereotypical boxes ticked then.
I reckon we should cull anyone who drives 5 miles so they dont have to use a big roundabout (I know a couple who do).
v8thunder said:
I've long had a theory about what makes a better driver but it's almost impossible to prove statistically: Interest in cars and motoring.
Seriously, it strikes me that if you like to drive and enjoy using your car to the point where you go out 'for a drive' rather than to get somewhere, and you buy cars that aren't just the 'bare minimum' and lavish attention on them, then you're likely not just to want to protect your car and licence by driving carefully, but also showing more mechanical sympathy and learning with enthusiasm.
This is exactly why classic car policies are usually significantly cheaper than bog-standard ones, even accounting for the usual mileage limitations etc.
>> Edited by krispy on Monday 14th February 20:42
krispy said:
I've long had a theory about what makes a better driver but it's almost impossible to prove statistically: Interest in cars and motoring.
Seriously, it strikes me that if you like to drive and enjoy using your car to the point where you go out 'for a drive' rather than to get somewhere, and you buy cars that aren't just the 'bare minimum' and lavish attention on them, then you're likely not just to want to protect your car and licence by driving carefully, but also showing more mechanical sympathy and learning with enthusiasm.
This is exactly why classic car policies are usually significantly cheaper than bog-standard ones, even accounting for the usual mileage limitations etc.
...which is why I intend to continuously own classic and kit cars on the biggest limited milage premiums available, commute by train and drive the classic/kit as the 'ordinary' car. A mate of mine did this very effectively with a Ford Escort RS Turbo and is doing so now with a Golf GTi - two high performance classics that are costing him less per mile than his Peugoet 306 Diesel did.
v8thunder said:
...which is why I intend to continuously own classic and kit cars on the biggest limited milage premiums available, commute by train and drive the classic/kit as the 'ordinary' car. A mate of mine did this very effectively with a Ford Escort RS Turbo and is doing so now with a Golf GTi - two high performance classics that are costing him less per mile than his Peugoet 306 Diesel did.
.....Firebond can do unlimited mileage policies...less than 250 quid this year for my TVR
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