Cheaper insurance for female riders.

[Buelligan]

The British insurance company Bikesure offers female riders a 10% discount because we are involved in fewer accidents, and make fewer claims than male riders.

I would think the statistics are the same in this end of the world, I wonder how we could go about getting the same deal.

We have government insurance here in Canada, but I only have the basics with them, my collision and theft etc. is with a private company. I think I'll give them a call and see what they say.

Anyone have any thoughts on this?

[oldnslo]

Are there the same number of female motorcyclists as male? If so, that is the only condition under which it would make any sense.

[Buelligan]

Prolly done on a percentage basis John.

I don't know what the difference is, maybe it's quite large, I don't think the insurance company would do it without a reasonable expectation of making money on the deal.

[Loonette]

It seems to me that it's okay to discount rates for things like... more experienced riders or those with flawless driving records (and fewer claims of course). But to base it on gender alone seems, well, too discriminatory. In my opinion discounts should only be based on an individual's merits. But it's just an opinion.

Cheers,
Loonette

[Buelligan]

I suspect it may actually be an age and experience thing. Women here are the fastest growing group of new riders/owners around, and most are 40 plus, and have been driving cars for years. Perhaps it's the same in the UK.

[Shorts]

Well that's somewhat similar to how in the US males under 25 are often charged higher auto premiums for being higher risk than males 25+ or females under 25.

It is a gender biased thing - mainly, in short, on the assumption that young guys are more wreckless and thus a higher risk to carry.

[Loonette]

And you get further discounts if you have taken a m/c safety course.

Some insurance company offer that discount - mine does not. But our insurance is cheap enough anyway, so I didn't care too much. And I do not get a better rate than my husband, but we're not under 25 years of age either. I think, in the States anyway, that age along with gender is a larger consideration than gender alone.

Cheers,
Loonette