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Women better drivers than men, research

Women better drivers than men, research

A new study has revealed that women are better drivers than men, finally settling the debate of which sex is best when it comes to motoring.

The study, by British comparison website Confused, also found that young drivers aged 17 to 25 are among the best on the road when compared with other age groups.

Researchers monitored the way motorists react to real-world driving conditions, taking into account anticipation, pace, acceleration, braking and cornering using GPS data from smart-phone app, MotorMate.

Five hundred participants drove more than 400 kilometres using the app and were then given a score out of 100.

Drivers aged 65 years and above scored higher than all other ages with an average score of 78, ahead of drivers aged in their early thirties and late forties, with both groups scoring 77. Drivers aged 25 and under scored a close third with an average score of 76. Motorists aged in their early forties received the lowest overall score of 71 out of a possible 100.

The app mimics in-car telematics technology, where a ‘black-box’ device is fitted to a car to monitor driving behaviour. Elsewhere in the world, motorists are installing telematics in their vehicles to save money on their car insurance premiums.

At the moment, Australia lags behind countries including Britain, Italy, South Africa and the United States in the use of telematics. But experts say there will be “decent progress” in its use here over the next five years.

Stephen Mills, business analytics optimisation strategy Lead, UK and Ireland, at IBM, said telematics is about grabbing factual data about what we do day-to-day in our cars.

“That’s compared to how it traditionally is at the moment; when we get a car insurance policy it’s based on what I might do, where I might drive, where I might store my car overnight, how many miles I might drive,” he said. “That’s changed to how you actually drive.”

The so-called black-box technology allows insurers to more easily assess risk and price policies more accurately, and says Mills, it’s promising to introduce a new and very different way to insure cars.

“It’s all about a new way of getting close to your customers, understanding what we do, when we do it, how we do it and enabling insurance companies to give you a policy based on your specific driving approach,” he said.

Michelle Hutchison, spokeswoman for RateCity, said the drivers who potentially stand to gain the most from this kind of technology are likely to be the ones already driving safely and whose premiums already reflect their record.

But, she says, there could be some benefit in telematics for drivers whose age, for instance, predetermines their risk profile.

“Typically, under 25s will pay a higher premium for car insurance because they are perceived to be a higher risk of accident in the eyes of a provider. Telematics could be one way to help a young person reduce their premium if they demonstrate safe driving skills,” she said.

“But a less invasive way to help reduce the amount you pay for comprehensive car insurance is to simply jump online and compare policies and premiums using a site like RateCity and select the most suitable option for your circumstances.”

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Learn more about car insurance

Can I have two insurance policies on one car?

Everyone who drives a car in Australia must have insurance. If you were found driving without insurance, you’d likely have to pay a big fine go and may even have to go to court.

Having said that, there’s no need to have two car insurance policies at the same time if both cover the same thing.

You may get different policies for comprehensive or third party damage and compulsory third party, but usually there’s no need to have different policies for different drivers. Insurers should cover multiple drivers for the same car.

There are some instances where you may accidentally have two of the same car insurance policies. For example, if one policy has automatically renewed, but you sought insurance elsewhere without realising. If the question is, can a car have two insurance policies legally? The answer may technically be yes, but again, having two separate insurance policies for the same vehicle is not recommended.

If you do have two policies and are involved in a car accident, you cannot file claims with both insurance companies to get a financial windfall.

Does car insurance cover driving while intoxicated?

Will car insurance pay if drunk driving causes an accident? Driving under the influence of drugs or alcohol is illegal, however, some insurers may cover the liabilities.

Your driving history and experience are important factors that affect the car insurance premium. If you have had violations for drinking under the influence, insurers may perceive you as high-risk. They will then be more likely to charge you a higher car insurance premium.

But does car insurance cover drunk driving accident liabilities? Many factors are involved in answering this, here’s what you should know.

Amount of cover

Although driving while intoxicated is illegal, if you’re involved in an accident, your insurance may cover damages within the limits of the policy. While expenses should be covered under your car insurance for drunk driving accidents, you may face other penalties, like cancellation or non-renewal of your policy.

Premiums

Additionally, the premium on car insurance for drunk drivers may increase by as much as 79% if you’re convicted. Some insurers, however, won’t cover damages if you’re driving whilst intoxicated and you don’t comply with the conditions laid out in the Product Disclosure Statement (PDS).

Check "does car insurance cover you if you are drunk" in the terms and conditions of your policy if you have a history of such violations.

Can I drive a new car without insurance?

It is illegal to drive a car in Australia without insurance. Most states require that you get your insurance in place before you drive the car off the dealership’s plot. So, the answer to whether driving a new car without insurance is no, it is not allowed.

The only time you can possibly legally drive an uninsured car is when you have to get the vehicle registered. You should drive straight to an inspection station or your state's vehicle registry. You must also make sure that you take the most direct or convenient route possible.

It is important to note that your compulsory third party insurance (CTP or green slip) isn’t valid until your car is registered.

Driving an unregistered or uninsured vehicle can have severe legal repercussions. If you are involved in an accident, and are driving an unregistered and uninsured vehicle, you will be personally liable to pay compensation to anyone hurt, as well as for damages. If you are caught driving a vehicle without insurance, you may be fined or even have your vehicle seized.

 

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.