Australia's worst drivers: males or females?

Australia's worst drivers: males or females?

Are young women safer drivers than their male counterparts? It’s hardly an easy question to answer and the debate tends to get quite heated, with both sides of the argument keen to demonstrate who is the safest. Unfortunately for the guys however, many of the big name insurers offer discounts on their premiums for female drivers under 25 and between 25 and 30.

This gender-based bias can be traced back to statistics that allude to young women being the safer of the two cohorts of young drivers on the road, often done by the insurers themselves. If the female drivers are responsible for fewer accidents with lower repair costs than the male drivers on their books then it follows that the insurer may offer cover at a discounted premium to their female customers.

Last year there were almost 1.5 million car insurance claims made. Males under 30 just pipped equivalent-aged females for the honour of topping this list. The good news is that it’s still possible to save a truckload on car insurance premiums, despite being in this age group.

In New South Wales, for instance, the range between cheapest and most expensive premiums for young drivers of both sexes is an astonishing $3,400. A family with young drivers also has the potential to save over $2,500. Admittedly, New South Wales figures are dramatic, simply because of the much larger proportion of drivers in that state. The potential to save on car insurance, however, applies to drivers in other age groups and in other states.

One thing’s for certain, don’t just pay your car insurance renewal when it is due. Consider premium renewal time as the time to shop around on to make sure you are still getting the best deal. In the world of insurance, as in the world of finance in general, things change and new players come into the game so it pays to keep on top of the latest happenings. At the end of the day, I’m sure you would agree that a few hundred dollars is much better off in your pocket.

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Learn more about car insurance

Can you insure your car for 6 months?

Most Australian insurers won’t offer you a 6-month car insurance policy, so you may need to buy a policy that covers your car for damages and cancel it after six months. You will need to purchase comprehensive car insurance to protect your car from accidental damage, theft, vandalism, or natural disasters.. 

Consider checking whether your 6-month comprehensive car insurance will cost more if you pay monthly or six-monthly premiums instead of a one-time annual premium. Another question to ask the insurer is whether you’ll need to pay administration or cancellation fees when you cancel the policy.

Alternatively, you can look for a suitable ‘pay as you drive’ car insurance policy, which usually offers you the coverage of a comprehensive car insurance policy but only requires you to pay for the distance driven. Such a policy may not be the ideal 6-month car insurance plan as it is based on how much you drive rather than for how long. If you need to drive a lot, you may end up paying more than you’d pay for regular car insurance. 

Does insurance cover a stolen car if keys were in the car?

A car insurance policy that covers the theft of your car, such as third party fire and theft insurance, usually covers a stolen car, even if the keys were in the car’s ignition.

However, your insurer may deny the claim if you live in an area where there have been several car robberies reported recently. They will see you leaving the keys in the car as a case of negligence. In such cases, your insurance provider may even expect you to have installed anti-theft security measures in your car. 

You may need to confirm whether or not you left your keys in your car, and if they had been stolen or misplaced, before filing your car insurance claim. The loss or theft of your car keys may be covered by a comprehensive car insurance policy, but usually as an optional item.

If you can confirm that your car keys were stolen, mention this in your claim as this will help establish that your car was not stolen as a result of your negligence.