Battle of the sexes hots up behind the wheel

Battle of the sexes hots up behind the wheel

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 is usually based on statistics that allude to young women being the safer of the two cohorts of young people 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.

In New South Wales, Victoria, Queensland, Western Australia and South Australia, a young female driver under 25 could save almost 20% on their premium with certain insurers. For those in the 25 – 29 age group the savings are not so dramatic but the potential still exists for women to pay almost 10% less than the men.

It certainly still pays to shop around, although young women may be paying a lot less than their brother or boyfriend with the same insurer, this is still no guarantee that they’re getting the best deal. An insurer who does not give discounts for young women may still offer a better value policy. Of course the opposite is also true; a young man who is paying the same as his female contemporary should still be shopping around to make sure he couldn’t do better somewhere else.

How do I compare car insurance policies?

RateCity is the best website to shop around on for car insurance and most other financial products. As well as comparing car insurance policies at RateCity, you can also get instant quotes from leading Australian car insurance brands.

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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.