Women's car insurance is usually cheap because female drivers tend not to have accidents that result in expensive motor insurance claims. However, this can't be said for all women drivers. A particular lady who was left in charge of a £250,000 yacht, for example.
Hannah Gutteridge, 33, and boyfriend and yacht-owner Paul Compton, 43, had been out enjoying the English coastal waters and were sailing from Dorset back to port in Hampshire when disaster struck.
Despite Miss Gutteridge being a very inexperienced sailor, she had been left alone at the wheel of the yacht for a few minutes whilst Mr Compton went below deck.
She explained what happened next: "I was steering at the time. All of a sudden I heard a loud crunching and realised we'd hit something. It was very scary."
They had in fact hit Anvil Point, a perilous rocky outcrop that has sunk many ships over the years. Mr Compton's boat was just the latest victim.
As water poured into the yacht, the pair sent out a mayday call and leapt for their lives onto the nearby rocks. They were then picked up by lifeboat and helicopter rescuers.
To make matters worse, when Mr Compton came to claim on his insurance policy for the £250,000 boat, he was told he couldn't because Miss Gutteridge had been at the wheel at the time of the accident.
It is believed that Mr Compton is taking legal action against his boat insurance company, Admiral to try to reclaim the money. In the meantime, he has simply bought a new yacht to replace it.
A friend of Mr Compton commented: "Poor old Paul. The insurance company said he failed in his duty of care by leaving his inexperienced girlfriend at the helm.
"But he earns a lot so nobody's feeling too sorry for him," he added.
Lee-Anne Bass of women's car insurance firm CoverGirl Car Insurance Services said: "I shouldn't think Mr Compton will be letting his girlfriend take charge of his new yacht considering what happened last time."