• Nov 24, 2010
According to a study done by InsWeb earlier this year, car insurance premiums for women in the U.S. are nine percent lower than those for men. Things are much the same in the UK, where insurance companies will offer the fairer sex lower rates than those given to men. Companies like Sheila's Wheels in the UK – founded by a man – specialize in lower-priced offerings for women, including handbag insurance.

The practice could be ruled illegal by the European Union, however, because the Advocate General of the European Court of Justice feels that such rate setting contravenes the Charter of Fundamental Rights laid out in the Lisbon Treaty. That would be fine with folks in the UK, according to a Motorpoint poll: more than nine out of ten of the 990 respondents to Motorpoint's survey were in favor of the EU eliminating discounts for women based on gender.

Not that there aren't plenty of other reasons for women to have lower rates: stats show they drive fewer miles and get in fewer accidents. But hey, fair's fair.

[Source: Motorpoint | Image: xJasonRogersx CC 2.0]
Show full PR text
POLL CALLS FOR BAN ON WOMEN ONLY CAR INSURANCE PREMIUMS
18/11/10

Women only car insurance premiums could soon be a thing of the past according to a new survey by Motorpoint.

An online poll by the car supermarket giant found over 90% of people supported EU proposals to scrap the discounts on offers from companies such as Sheila's Wheels. Over 990 people took part in the online poll at www.motorpoint.co.uk.

A high ranking EU official is currently debating whether car insurance premiums that use gender as a factor in assessing risk should be outlawed. A decision is expected by the end of the year. Women have historically enjoyed lower premiums because statistically they are shown to have fewer accidents then men.

Says David Shelton, Managing Director of Motorpoint: "Whilst I wouldn't like to comment on car insurance premiums solely for women, this is a debate that is clearly going to rage for some time to come giving the implications for drivers as a whole in the UK."


I'm reporting this comment as:

Reported comments and users are reviewed by Autoblog staff 24 hours a day, seven days a week to determine whether they violate Community Guideline. Accounts are penalized for Community Guidelines violations and serious or repeated violations can lead to account termination.


    • 1 Second Ago
  • 37 Comments
      • 4 Years Ago
      Some time in the 90's the state of California was going to introduce a bill that would eliminate auto insurance in either public or private form. It was to be out in the price of gas at the pump. The auto insurers got that stopped pretty quick. Be more logical then what exists now.
      • 4 Years Ago
      This kind of thing has long been used to gouge men in the US. I recall a time when my sister (2 years younger) had two accidents and a speeding ticket on her record and my record was perfect. Factors like neighborhood and fairly basic cars were the same, and she still payed less for insurance that I did.
      • 4 Years Ago
      Women are not involved in as many accidents as men; they are the ones who CAUSE many accidents.
      • 4 Years Ago
      I'm an insurance adjuster and have been driving for some 55 years . In my 35 years in the insurance industry I have had thousands of claims come across my desk and by far the majority have been females . I cannot understand why this gender based prejudice is allowed to continue to exist when the insurance industries own records reveal plainly that when all the details of these accidents are known it is the females who should be slapped with higher rates .
        • 4 Years Ago
        Based on your experience, what is your response to a previous poster who also claimed insurance industry experience and stated that women had A higher QUANTITY of accidents, but men had more SEVERE accidents?

        That experience is true when comparing my sister and me, do you see that at work?
      Christopher
      • 4 Years Ago
      If you have the male organ and are under the age of 25, you could be driving a corolla and insurance companies will all tag you as a street racer waiting to show off. Plain and simple. Also the vast majority of insurance companies will base your premiums, no matter what gender you are, on your credit score, not necessarily your DRIVING RECORD as it should be. One more way to keep the rich richer and the poor poorer
      • 4 Years Ago
      If stats were allowed to be kept for race, I'm sure they would show that there are differences in claims using that parameter too. And since they couldn't use those stats to charge different rates based on race, they shouldn't be able to get away with it with gender.
      • 4 Years Ago
      Insurance companies discriminate because accident statistics discriminate.
      More men have accidents than women.
      The repair costs of the male accidents are higher than the accidents of women.
      Sorry guys.
        • 4 Years Ago
        That's because women don't report their multitude of parked car hittings, wall backing intos, and guard rail scrapings.
      • 4 Years Ago
      What was her excuse and did she try to blame you?

        • 4 Years Ago
        No, she didn't try to blame me, she tried to downplay the incident and pointed out: "Look no damage to your car". Cops were nearby and heard the crash. Got all of her info, she got a fat ticket. Of course there was hidden damage. I went after her insurance for my deductable.
      • 4 Years Ago
      OMG She's driving 140mph!!!
        • 4 Years Ago
        wrong she's doing 140 km/h
        • 4 Years Ago
        wrong she's doing 140 km/h
      • 4 Years Ago
      Kinda stereotypical of them showing a woman drive a Honda Odyssey...
      • 4 Years Ago
      Hey, that woman in the pic is doing 87mph, but at least she's got two hands on the wheel and not texting, amirite?
      • 4 Years Ago
      That picture just reminds me that I miss my '95 Civic. We had some good times.

      I'm pretty sure this same thing happens in Canada as well.. insurance companies discriminate with things they shouldn't be discriminating about. There are tons of bad drivers in every demographic, no need to single certain ones out.
    • Load More Comments