Listen to the weather this winter

Ever wondered why women get cheaper car insurance than men? Well, it’s all to do with the risk algorithms used by insurance companies and, quite frankly, we’re lower risk.

Of course, this does not mean that every woman is a safer driver than every man, but it does at least mean that, as a general rule, a woman driver can be more safely underwritten than her male counterpart.

This cold snap we’re all experiencing at the moment is a good example of why there is this gender disparity. According to the Highways Agency, women are far more likely than men to abide by winter weather warnings.


Yes, whereas 62% of men say they would carry on with a journey regardless of a severe winter weather warnings, only 44% of women said they would ignore the scientific premonitions of meteorologists.

A spokesperson from the Highways Agency had sage words for both men and women when he said, "Make sure you and your vehicle are ready for winter. The last thing you want is to be stuck on a cold, wet or windy motorway hard shoulder. If bad weather arrives, slow down and adapt your driving to suit the conditions. Keep up to date by listening to the travel news while you are on the road, and if conditions get too bad find a safe place to break your journey until the weather improves."

Good advice, I think. There’s no reason why bad weather should bring the country to a standstill, but we should all listen to advice, regardless of our gender. Reckless drivers make for riskier roads and more expensive motor insurance policies, not something any of us want.

Labels: cheaper car insurance, women drivers