Conference terri::cars_uk

	
<<	Hill House Hammond now do a lady drivers policy, which has rates 35%
<<	less than most men (should it be more?)
<<	In conjunction with this, they give preferential no claims discounts,
<<	free foreign use, 24 hour rescue service, and claims assistance.


Do you have a phone number for Hill House Hammond please ?

Karen (who's insurance is due for renewal).

    ... but I don't drive recklessly, drink and drive, or speed (hardly
    ever :-)
    
    It's so unfair :-(

    
    HHH also claim to do a cheapy "Hot-hatch" line - Didn't come out very
    cheap on my Calibra.
    
    Maybe just a good way of attracting attention?
    
    Mark (Full NCB, no convictions, no comment!).

Surely we should be judged on our personal driving record?
We all know how statistics never cope with circumstances :-(

I wonder if the statistics would be different if weighted against mileage
covered etc... How many female reps in SRi's do you see?

_Richard

Heather....


did they also give the relative populations of male/female drivers in
the sample?

In other words, was it a completely even spread?   If not, that seems awfully
dodgy statistics.


Now, how about a concession for *good* drivers, of either sex ?


Ian
(I have to confess that the best, and worst drivers are know are both women....)

It has been a known fact for many years that women have less accidents than 
men. This is "less accidents per year" not "less accidents per mile driven".

This is mostly due to type and amount of driving done by most women. Please 
don't tell me how many miles *you* drive and what conditions you do it in, 
it's the national trend that is the point

When a broker advertises a "20% discount for $�%"�^" then this isn't always a 
good deal. For example,  if they were 30% expensive more in the first place. 
That aside, they are usually worth a try, just don't get blinded by the 
offer, particularly since more than half the insurers offer similar 
discounts.

M.

>This is mostly due to type and amount of driving done by most women. Please 
>don't tell me how many miles *you* drive and what conditions you do it in, 
>it's the national trend that is the point

*FLAME ON

IT IS *TOTALLY* RIDICULOUS TO SUGGEST THAT NATIONAL TRENDS ARE THE POINT

*FLAME OFF

The *ONLY* thing that counts is individual record.  Are you happy to be a 
statistic?

_Richard

    From my own personal experience of HHH, I'm afraid that I wouldn't
    recommend them to anyone. They may be cheap, but were completely 
    uselesss at sorting things out when it came to a claim - I had to do
    all of their work for them.
    
    Fine if you have no accidents, but IMHO there's more to a good insurance
    policy than being cheap.
    
    Terry

    This discussion all depends what you are trying to do with the figures.
    
.6>It has been a known fact for many years that women have less accidents than 
.6>men. This is "less accidents per year" not "less accidents per mile driven".

    From the insurance company's point of view, the number of accidents per
    year ARE more important than the number of accidents per mile driven.
    For normal policies, they assess the risk for a given price irrespective 
    of miles driven.
    
    If you are going to get into a men vs. women argument ( GOD forbid ! ), 
    then it is correct to compare accidents per mile driven.
    
    	Terry

	But I *am* a statistic.  I'm in a special group too, apparently we
	have less accidents than most.  Which group?  Kit car drivers.

	As for lies, damn lies and statistics, the insurance companies operate
	on percentages.  Their charges reflect this, if they get less claims from
	females (or people with brown hair), then they will charge less (unless
	they can get away with charging more).

	Dave

	Oh, and my wife can often be seen somewhere on the M4 in her company
	Cavalier SRi.

Oh don't be daft.

What do you expect ? Every insurance company to rate you personally ? 
Pathetic. You pay more when you live in london because your car is more 
likely to get stolen. Or would you prefer them to rate it on how often you've 
had your car stolen ? You pay more if you are more likely to have an 
accident / suffer a loss; not on whether you have or not. 

And what's this flame nonsense ? Is that so that I know what you are going to 
say is important ? Isn't it normally ?

Whether you understand their use or not, statistics used properly are an 
entirely appropriate method for rating virtually any type of risk.

    
    Heather,
      Why would you even think of giving your insurance money to a company
    so full of sexists ?. Many years ago women protested, lobbied paliament
    etc so that women through out britain could be equal and now your
    letting a scheme to keep women under paid (equivilent to Men in similar
    job) by selecting cheaper (you get what you pay for) deals and
    offerings, nah don't fool for it, be equal and pay loads for your
    insurance....you know you should. :-)
    
    

>What do you expect ? Every insurance company to rate you personally ? 
>Pathetic. You pay more when you live in london because your car is more 
>likely to get stolen. Or would you prefer them to rate it on how often you've 
>had your car stolen ? You pay more if you are more likely to have an 
>accident / suffer a loss; not on whether you have or not.

We were not discussing theft,  we were discussing accidents,  I very much doubt if
cars belonging to females are stolen less!

>And what's this flame nonsense ? Is that so that I know what you are going to 
>say is important ? Isn't it normally ?

Usenet protocol,  when SHOUTING is not enough to express disapproval!

I refuse to be counted as a statistic,  I do not drive company cars,  my cars and
NCB are very precious to me,  I belong to clubs etc.. and consider myself to be
an enthusiast,  not a road hazard.  It seems very strange that we can use personal
driving accident records to increase premiums with respect to percentages of
drivers,  but it isn't possible to use them to lower premiums with respect to 
percentages etc..., the NCB system goes so far,  but not far enough.

If we accept percentages then you can make some very sweeping statements about the
IQ level of people in this country!

_Richard

And how would you know whether cars belonging to females were stolen less or 
not ? How would you improve it ? Surely not with statistics !!!!!!!!

I don't understand your problem. However, fortunately, it is yours not mine.

Mark. 

>Do you have a phone number for Hill House Hammond please ?

	0734 508881

>did they also give the relative populations of male/female drivers in
>the sample?
>
>In other words, was it a completely even spread?   If not, that seems awfully
>dodgy statistics.


   This was home-office statistics over the last two years.

   I don't know women/men percentage of drivers in the UK, but I would bet that
   more than 10% are women.


	Heather

>    Heather,
>      Why would you even think of giving your insurance money to a company
>    so full of sexists ?. 

	I don't find it sexist, they look at the stats, and its one of the
	things they give discounts for. My husband has discount for belonging
	to the NG owners club, 95% of which are men, I don't find that
	sexist either.

>	Many years ago women protested, lobbied paliament
>       etc so that women through out britain could be equal and now your
 
	I think you are out-of-touch, this is still happening

	I don't think that mens pensions are sexist either - because they can 
	get a better annuity for a lump sum than women can.
	Its because of stats, men live less years - on average - so annuities
	pay out more per month to men.

	Heather -who would rather pay higher insurance and get a bigger pension