The ability driving is subjective and depends on the personal assessment of each individual, but the data are clear: women suffer fewer accidents.
"It had to be a woman!" "Woman at the wheel, constant danger!"
These strong macho component phrases have been used and are still employed or in a joking tone or even completely seriously by many men in our country. They talk about the ability of women behind the wheel, generating a topic that, not widespread and repeated, it becomes true.
Because the reality is quite different: as a rule the women are more cautious and calm while driving, which leads to a rate lower accident rate than the opposite gender. The statistics prove it . The greater or lesser skill driving of one and other is subjective and depends on the personal assessment of each individual, but the data is very clear objectives: women have fewer accidents and are involved in fewer accidents .
This reality had to echo in a sector with strong analytical skills and adapt to each situation as in the insurance sector . A while now many insurers began offering car insurance cheaper women, a trend that was halted four years ago, in 2012.
A little recent history
What happened then? The European Commission adopted guidelines to help the Insurance sector to implement policies independent pricing sex, after the Court of Justice of the Europe Union to ruled that different premiums for men and women constitute discrimination on grounds of sex.
That decision, which came into force on December 21, 2012, generated an important debate: on the one hand, who argued that the sought equality between men and women should lead to equity rates car insurance (usually them) ; on the other, that of those considered less chance of accidents should be accompanied by a lower premium payment auto insurance (usually them). A complicated situation because both demands seem to me fair.
That regulation led the prices of both insurance equiparasen, although in practice has not reached full equality. European legislation provided an exception by allowing member states of the EU permit differences according to sex in premiums and insurance benefits when they constitute "a determining factor in the assessment of risk" and substantiate "on actuarial data and relevant statistical and accurate. "
However, beyond the issue of tariffs some companies have chosen to create a safe special car for women trying to look at specific situations and analyze the characteristics of this vast collective needs.
additional coverages
Either way a policy differences for females are not many compared to a standard auto policy. The basic coverage of these car insurance are obviously the same, but they usually have some additional coverage . What can be? Let's see examples:
Assistance to pregnant : dedicated to women who are who are pregnant and are at risk of illness when driving. Should this occur ensures the transfer of the pregnant woman to a medical center and your vehicle home.
Bag theft : includes compensation in the event of theft thereof, provided that it is inside the vehicle, and can even provide management down credit cards.
There are also companies that offered insurance for women other coverages that do not have specific for them to be but can be useful for them: Repair vehicle in situ, pre accident report, punctual chauffeur service, domestic help and transfer children to school (if physically unable to perform both tasks after an accident), theft chair, repair or replacement of luggage and personal belongings ...
Other companies, however, opt for equality of men and women in insurance matters, offering the same coverage to some and others and trying to meet their needs without making a distinction by gender . As always, the customer has before it a wide range available and comprehensive information on the different products available. But the last word will always have it, or in this case her.
"It had to be a woman!" "Woman at the wheel, constant danger!"
These strong macho component phrases have been used and are still employed or in a joking tone or even completely seriously by many men in our country. They talk about the ability of women behind the wheel, generating a topic that, not widespread and repeated, it becomes true.
Because the reality is quite different: as a rule the women are more cautious and calm while driving, which leads to a rate lower accident rate than the opposite gender. The statistics prove it . The greater or lesser skill driving of one and other is subjective and depends on the personal assessment of each individual, but the data is very clear objectives: women have fewer accidents and are involved in fewer accidents .
This reality had to echo in a sector with strong analytical skills and adapt to each situation as in the insurance sector . A while now many insurers began offering car insurance cheaper women, a trend that was halted four years ago, in 2012.
A little recent history
What happened then? The European Commission adopted guidelines to help the Insurance sector to implement policies independent pricing sex, after the Court of Justice of the Europe Union to ruled that different premiums for men and women constitute discrimination on grounds of sex.
That decision, which came into force on December 21, 2012, generated an important debate: on the one hand, who argued that the sought equality between men and women should lead to equity rates car insurance (usually them) ; on the other, that of those considered less chance of accidents should be accompanied by a lower premium payment auto insurance (usually them). A complicated situation because both demands seem to me fair.
That regulation led the prices of both insurance equiparasen, although in practice has not reached full equality. European legislation provided an exception by allowing member states of the EU permit differences according to sex in premiums and insurance benefits when they constitute "a determining factor in the assessment of risk" and substantiate "on actuarial data and relevant statistical and accurate. "
However, beyond the issue of tariffs some companies have chosen to create a safe special car for women trying to look at specific situations and analyze the characteristics of this vast collective needs.
additional coverages
Either way a policy differences for females are not many compared to a standard auto policy. The basic coverage of these car insurance are obviously the same, but they usually have some additional coverage . What can be? Let's see examples:
Assistance to pregnant : dedicated to women who are who are pregnant and are at risk of illness when driving. Should this occur ensures the transfer of the pregnant woman to a medical center and your vehicle home.
Bag theft : includes compensation in the event of theft thereof, provided that it is inside the vehicle, and can even provide management down credit cards.
There are also companies that offered insurance for women other coverages that do not have specific for them to be but can be useful for them: Repair vehicle in situ, pre accident report, punctual chauffeur service, domestic help and transfer children to school (if physically unable to perform both tasks after an accident), theft chair, repair or replacement of luggage and personal belongings ...
Other companies, however, opt for equality of men and women in insurance matters, offering the same coverage to some and others and trying to meet their needs without making a distinction by gender . As always, the customer has before it a wide range available and comprehensive information on the different products available. But the last word will always have it, or in this case her.