The triumph of the boy racer
As a reasonably cautious driver I’m usually pretty safe on the roads but I’ve been in cars with several of my male friends and I can safely say they are a lot more reckless.
This is not just my thrill-seeking friends either, it’s a well-known fact that women are safer drivers. The average 18-year old man’s claim is £4,400 compared to the average woman’s at £2,700, so why should we be penalised with rising insurance costs because of this?
The European Court of Justice ruling left me in shock this week. I think it’s a case of a real lack of common sense and the only silver lining is the timescale in which it will be implemented. Instead of an immediate change, insurance companies will have until 21 December 2012.
But what does this mean? Petrol is already sky high and rising and now car insurance prices will rise for young female drivers. Men pay more because they are riskier drivers so how is this fair?
What’s even worse is that boy racers, who pose the greatest risk to other drivers and themselves, will actually now being paying less. The number of them on the road is therefore likely to go up creating a higher risk to everyone driving. Eight out of 10 accidental deaths of men aged 15 to 19 occur on the road and overall, road crashes are the biggest killer of 15 to 24-year-olds in the UK. The ruling is insane and is basically attacking safer drivers.
When you pass your test, by carrying on to do the Pass Plus course your overall insurance rate will go down and parking in a garage, reducing the mileage, raising the excess and keeping the car secure will help lower costs. But women will now have to pay around 40% more on insurance and I for one will struggle with this hike.
The AA says an annual car insurance bill for a young woman will go up by £400. This amount is unacceptable in a time when young people are already bearing the brunt of the government’s cuts.