Safe Speed Forums

I had a range Rover covered by the NFU , £250 Comp .
They dont do named drivers but have a sliding scale excess charge
40yrs - £150
17 yrs - £3500

One of the lads at work asked to borrow it. I said fine if you give me a 3 grand disposit, He picked up his girfriend in his mums old metro instead

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Re vera, cara mea, mea nil refert

when I bought the TT for my old company mrs CE insured it fully comp for about £300.

she was 29 at the time.

does sex make that much difference to risk?

According to insurance companies it does. More strange still is that when we got married we phoned the insurance company to notify them of my wife's change of name and we got a reduction because we were now married. So the same people, same cars, just one surname different is less of a risk.

The VERY strange thing is that it is also often encouraged to suggest young drivers add an expierenced female driver to their policy because it reduces the premium. Typically this is their Mum, but generally anyone over the age of 25 who has held a licence for several years with no accidents will work. No idea why. It's also perfectly legal, it's not the same as fronting where a lower risk driver is declared as the main user hiding a higher risk named driver who is the real main user.

The links between marriage and safe driving is surely tenuous at best, no? Or is there real evidence to suggest married couples have a lower risk profile?!

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In a former life I was Capri2.8

I'm convinced that the major difference in accident (claims) rates between men nd women is due to exposure or in other words, women drive fewer miles than men.

Ohh, I can certainly think that a link might exist, how significant it is though I dont know. It is certainly possible that men who are married may be more risk averse (responcibility etc) less likely to "go out with the lads" and likely to spend more journeys with their spouce (driving more cautiously than they might on their own)

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"The road to a police state is paved with public safety legislation"

But is that balanced(not saying outweighed) by the possibility of domestics in the car, and being distracted by children? I accept what you are saying in favour of course.

I've no idea, but it's interesting!

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In a former life I was Capri2.8

The actuaries that calculate the premiums must be pretty good at what they do because insurance companies tend to be quite wealthy! There must be a measurable link or the premiums would not change.

It's a shame that the insurance data is not used in the proper study of road safety.

Trust me, if the insurance company has calculated it, then it is the case. The actuaries are the worst (or should that be best????) maths freaks in the entire world - I know this for a fact before anyone says anything.

If an insurance company deemed driving a red car a risk, they would charge a premium for it. Interesting that they don't calculate points from GATSO's as a risk isn't it?

What's the justification for charging a young male less who has a expierenced female as a named driver compared to those that haven't? Especially when any statistics to back it up will be overwhelmed by the sales advisors recommending it to those who haven't asked for it.

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In a former life I was Capri2.8