A new report by the Social Market Foundation, SMF, may change the way car insurance for women is dealt with in the future.
The report, written predominantly by women, has shown that government policy making needs a shake up in order to change how UK adults view the taking up of pensions, tax and insurance.
The authors believe that instead of relying on the belief in rational economic man who responds purely to financial incentives, the British public's decision-making process uses many different variables.
The research shows that a plethora of choice can derail the decision-making process, sometimes leading to non-purchase. The authors believe that a reduction in the number of choices could help.
For some schemes, such as pensions, savings and insurance, the researchers suggest a default choice or an auto-enrolment scheme.
Social incentives are also believed to be important in affecting our choices. A simple green sticker in the windscreen of a new low-emissions car, has been shown to influence their purchase over less environmentally friendly options.
A CoverGirl spokesperson said, "Luckily car insurance for women already has certain incentives as it is cheaper than men's insurance, but it will be interesting to see if this report, Creatures of Habit? The Art of Behavioural Change can change the behaviour of the government policy makers."

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