Car insurance news

Women have better attitudes than men towards speeding

Highlighting yet again why women's car insurance is justifiably cheaper, a recent survey has found that female drivers are more likely than men to accept big brother style devices to stop them breaking speed limits.

The study by the Engineering Technology Board (ETB) discovered that 49% of women surveyed think that car speed-limiters are the best way of improving road safety, compared with just 39% of men.

The survey was undertaken in response to a Government funded trial in Leeds, which involved 20 Skoda Fabias being fitted with digital road mapping equipment linked to satellite positioning systems. The equipment detects where the car is travelling, how fast and what speed limits are enforced. If the car is travelling too quickly, a beeping noise is heard and the accelerator pedal vibrates. If the driver still doesn't respond the car will brake automatically.

The system will initially be offered as an optional extra, but Government ministers haven't ruled out making a similar method of speed control compulsory at some time in the future. Such a scheme is liable to have a huge impact on motor insurance premiums and make cheap car insurance easier to find.

Discussing the ETB's survey results, Steve Stradling from Napier University, Edinburgh, said, "A key factor is that women get less fun out of risk-taking.

"People speed because they are under pressure. Men are more likely to speed to make a business appointment."

Despite the apparent female willingness to implement speeding restraints, female driving habits have actually appeared to have changed for the worse in recent years. Home Office figures have shown a steady increase in the proportion of motoring offences that they commit, meaning that their discounted women's car insurance premiums are at risk of being taken away.

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).

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