DIAMOND - www.diamond.co.uk
DIAMOND CAR INSURANCE
Diamond is a company created by women for women, to provide cheaper car
insurance for women. Diamond can provide cheaper car
insurance for women because statistically
women are safer drivers and have less serious accidents.
Diamond is part of Admiral
Insurance Services Limited, a direct car insurance provider. That means that they can offer excellent rates for car insurance
quotes, because they cut out the middleman.
If you've got less than 5 years No Claims
Bonus, try Diamond's Bonus Accelerator
policy, which is ideal for people who are taking out car insurance for women
for the first time, or those who have recently lost their no claims bonus.
The Bonus Accelerator runs for 10 months, but gives you one full year's no
claims bonus after just 10 months. This means you can build up your No Claims
Bonus faster and start saving money earlier.
Why is it that women can often get cheaper car insurance than men?
A good question and one we hear often.
The answer is that, women drive differently to men.
Generally speaking, women have the same number of accidents
as men, but it’s
the seriousness of the accident that is very different between the sexes.
Typically, an insurance company has to pay out more to fix a car when a man
has an accident as the car has to be extensively repaired.
96% of convicted dangerous drivers are men
Women have a different pattern of driving to men. They drive shorter distances,
have lower mileage and tend to drive more slowly. Men are convicted for 92%
of driving offences and 96% of all convictions for dangerous driving.
Given these ways in which the sexes drive differently
and the actual claims experience of insurance companies, you can see why
an insurance company will decide to generalise that women drivers are ‘safer’.
The difference between the sexes is at its height in the late teens and twenties.
Over 30 and things tend to even out and men over 75 are often regarded as the
safer risk.
Things could well change though. A survey by diamonds sister
company in 2004 showed that more women than men often feel angry when driving.
Also, many women are now driving longer distances and at higher speeds. But
until the statistical evidence shows that there has been a swing, insurance
companies will still rate women differently from men.
More information on Diamond car insurance can be found at 1click-insurance.
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