Stupid Insurance Companies

On or around Fri, 08 Oct 2004 05:52:38 GMT, "Alun P"
<alun.priddle@NOSPAMblueyonderDOTcoDOTuk> enlightened us thusly:

>The statistics can be manipulated in many ways but the facts are that there
>are fewer female drivers than men and female drivers travel substantially
>less miles, per head, than male drivers, so on the face of it, yes, women
>have fewer accidents, but, if you do the calculation to include miles driven
>etc, the result is different. I do agree, however, with the fact that new
>drivers between 19 and 25 do have more accidents.

mind, I've had 4 vehicle-damaging accidents[1] over my 21 years on the road,
and only 1 of them was while I was in that age bracket. That was also the
one where I was probably most to blame, mind.

One was in dodgy snow-slush conditions, 2 on narrow roads with blind
corners, one of which was mostly not my fault (other driver going much too
fast) and the other I regard the 50-50 insurance result as a fair cop - I
could have in theory done more to avoid it and so could the other bloke.

[1] not counting the one that fell apart on the road and crashed as a
result... didn't hit anything else though.

Well the answer is simple join a religion that allows polygomy take 6 wives
and have someone pay you to be insured. )



> I found this once. If I were married, my insurance would've been some
large
> percentage cheaper. Annoyed me at the time and much like your company
> director thing, I imagine.
>
> If I were married and had 3 screaming brats in the back seat and a nagging
> wife in the front, I'd be *more* likely to have accidents as a result of
> being distracted.

On Fri, 08 Oct 2004 00:19:00 +0100, Tim Hobbs
<[email protected]> wrote:

>Likewise, the young lady who drove me through a 30 limit at 65mph this
>afternoon, over a blind hill and bend in front of a factory gate pays
>less to insure her Golf VR6 than I do for my family Volvo estate.
>Because she belongs to a different statistical group, not based on any
>knowledge of that individual and the risk they present.

Yes, yes, yes... But was she pretty?

On Fri, 08 Oct 2004 05:52:38 GMT, "Alun P"
<alun.priddle@NOSPAMblueyonderDOTcoDOTuk> wrote:

>called (or was it 'the pink triangle'???),

Probably not.

>and they flatly refused to quote
>me, I complained it was sexual prejudice,
>the answer was they could refuse
>to quote anyone !!!!!!

Yup, tis their right - right or wrong, to do so.

Women do have far less accidents. They see many more than men,
though...

On Fri, 08 Oct 2004 10:37:37 +0100, Mother <"@ {mother} @"@101fc.net>
wrote:

>On Fri, 08 Oct 2004 00:19:00 +0100, Tim Hobbs
><[email protected]> wrote:
>
>>Likewise, the young lady who drove me through a 30 limit at 65mph this
>>afternoon, over a blind hill and bend in front of a factory gate pays
>>less to insure her Golf VR6 than I do for my family Volvo estate.
>>Because she belongs to a different statistical group, not based on any
>>knowledge of that individual and the risk they present.
>
>Yes, yes, yes... But was she pretty?

She still is, in fact. And her bloke has just bought a P38 Range
Rover at 80,000 miles with the original 4.0. So all our thoughts
should be with her and the financial ruin that awaits.
--

Tim Hobbs

'58 Series 2 88" aka "Stig"
'77 101FC Ambulance aka "Burrt"
'03 Volvo V70

My Landies? http://www.seriesii.co.uk
Barcoding? http://www.bartec-systems.com
Tony Luckwill web archive at http://www.luckwill.com

Hey Guys
if females want to think they are better drivers, let them......statistics
can prove whatever you like but don't lower yourselves to their tittle
tattle.
Strangely, most of the intelligent females I've spoken to have found Tesco
cheaper for car insurance than pink triangle, or whatever they're called!!


"Tim Hobbs" <[email protected]> wrote in message
news:[email protected]...
> On Sat, 25 Sep 2004 21:47:24 +0100, hugh <hugh@[127.0.0.1]> wrote:
>
> >In message <[email protected]>, Tim Hobbs
> ><[email protected]> writes
> >>On Fri, 24 Sep 2004 10:50:34 +0100, Mother <"@ {mother} @"@101fc.net>
> >>wrote:
> >>
> >>>On Fri, 24 Sep 2004 09:57:16 +0100, Austin Shackles
> >>><[email protected]> wrote:
> >>>
> >>>>I get mightily ****ed off by insurance companies in general.
> >>>
> >>>That's about all there is to say, really.
> >>>
> >>>
> >>
> >>I heard a snippet on the news that the European court has decided that
> >>it is unfair for insurance companies to give women favourable quotes
> >>on the basis of their gender. About time too - if they decided black
> >>people were higher risk there'd be uproar, but it's OK to act
> >>prejudicially against young men, company directors etc that they have
> >>no prior knowledge of.
> >It isn't prejudice it is detailed statistical analysis by actuaries [1].
> >Women are less likely to have an accident, young men under 25 are more
> >likely to do so.
> >[1] Actuaries - people who find accountancy too exciting.
>
> It is prejudicial. Without any knowledge of my driving skills, my
> personality, the type of driving I do or any other important factor
> they pre-judge that I am a high risk because lots of other company
> directors have accidents. That is, by definition, prejudicial. If I
> resign my directorship tomorrow I will be no more or less likely to
> have an accident, I will simply belong to a different statistical
> grouping and my insurance will be cheaper.
>
> Likewise, the young lady who drove me through a 30 limit at 65mph this
> afternoon, over a blind hill and bend in front of a factory gate pays
> less to insure her Golf VR6 than I do for my family Volvo estate.
> Because she belongs to a different statistical group, not based on any
> knowledge of that individual and the risk they present.
>
> Hypothetically, if the actuaries were to find that black men had more
> accidents than white men and loaded premiums accordingly (or refused
> to quote to black men), do you think it would be accepted? What would
> be the difference?
>
> --
>
> Tim Hobbs
>
> '58 Series 2 88" aka "Stig"
> '77 101FC Ambulance aka "Burrt"
> '03 Volvo V70
>
> My Landies? http://www.seriesii.co.uk
> Barcoding? http://www.bartec-systems.com
> Tony Luckwill web archive at http://www.luckwill.com