"Irish Independant" letters do it again. Sexist or wha' !

Boggle wrote:

Remember reading somewhere that while men do have more fatal car crashes, they also tend to do a hell of a lot more mileage.

Doing more mileage is irrelevant to your annual insurance premium. It's down to "how likely is this person to have an accident this year"

gom wrote:

The older you are more likely to get sick due to old age and need medical care so should they pay more PRSI as a result?

But those people are more likely to have paid more PRSI over their lifetime also.

jill_valentine wrote:

The assessors can't follow you around for a 6 month trial period, and get to know your favourite colour before they set a premium.

I'm not sure if they ask the question, but car colour and temprement have been linked, at least anecdotally.

gom wrote:

Should a Muslim be charged higher Life Assurance than a Christian as Muslims are expected to go to Mecca once in their lifes where it is possible he/she will die in a crowd crush???

But what about Mary and Biddy at the Bingo Hall / Jumble Sale?

Insurance companies base their premiums on their statistics from previous years. And statistically, women have fewer accidents. Young men have more. Therefore the company puts a higher loading on the young male driver, as the probability of him having an accident is higher, ie. the company is more likely to have to pay out.
It's all probability. Simple as that.

Whether you're male or female, I think provisional drivers have to be taken into account too. I know some of each sex, and the men are far far more confident behind the wheel. BUT, that confidence can sometimes be their demise. Men sometimes do have a poor attitude to driving. Thus, an inexperienced provisional male driver may have a greater chance of getting into an accident because of his cockiness and eagerness to get out there. Whilst I also believe that a female provisional driver can be the cause of accidents due to slower reaction speed, inability to judge distance and some other things that men are (according to the brains) more superior at.

We men do travel more mileage, react quicker, may like faster driving when the road is good, and collectively become experienced better than females, who think they should be thought of the same after less mileage, slower reaction speeds and wrong judgements.

I think men do make better drivers, but because our brains/bodies allow for it. Sorry ladies, but its true - you do beat us on brain power/memory at times mind you!

Also, as an immature side note - if the likelyhood of getting into an accident is based on probability, then the probability rises the longer you are on the road (no matter what the cause). I say speed up and get the hell off the road quicker, and the probability lowers!



Seanie.