Car insurance news
23/03/2009

Women's driving is safer than men's. Fact!

Providers of car insurance for women have long championed the fact that women are safer drivers than men, but more and more organisations are finally taking the statistics seriously.

The chief executive of GEM Motoring Assist, a road safety and motoring services organisation, brought women driver data into the public eye when he spoke to the Ayrshire Post recently.

He said, "If you look at accident statistics men come out worse than women. There are about four million more male drivers than females in the UK and the average male driver does a third more driving, so mile for mile the male accident rate does not appear to be significantly worse.

"However, three times more men are killed in road collisions than women, according to statistics from the World Health Organisation."

Although women drivers have more low speed crashes than men, these incidents rarely lead to severe injury or death.

Male driver car accidents are often linked to law breaking and the contrasting number of road deaths by gender is too big to be due to the higher male driver mileage figure.

He says, "Men fare worse because they take more risks. Department for Transport figures show that 87 per cent of those convicted of motoring offences in the UK in 2006 were men. Of those convicted for dangerous driving 96 per cent were men."

According to car insurance information, young men under the age of 25 are the group who are most likely to receive convictions for motoring offences and be involved in road traffic accidents. Studies have revealed that as the male hormone testosterone subsides in older men the link between risk taking and male road deaths drops.

As a result of these findings, car insurance for women can legitimately be sold at a cheaper premium because the risk of a high cost payout for a woman driver's accident is much lower.