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Insurance stats

  • 18-03-2010 11:50am
    #1
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭


    We all know that young males are charged more for insurance because they are statistically more likely to crash but has anyone ever seen these statistics? Going by road fatalities so far this year it seems to be a wide range of people involved in collisions.


Comments

  • #2
    Absurdum
    Closed Accounts Posts: 4,445 ✭✭✭Absurdum


    k_mac wrote: »
    We all know that young males are charged more for insurance because they are statistically more likely to crash but has anyone ever seen these statistics? Going by road fatalities so far this year it seems to be a wide range of people involved in collisions.

    from RSA website
    Some of the key provisional statistics for 2009 include;

    40% of road deaths were under 25 years of age

    Also, I think accidents/crashes involving younger drivers and/or males tend to be more severe than women drivers.


  • #3
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    But surely thats not enough for the drastic differences. My brother tried to get insured on a 2 litre when he was 22 and was told that he is statistically guaranteed to crash the car. Id love to see some detailed stats.


  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,760 Mod ✭✭✭✭Henry Ford III


    k_mac wrote: »
    But surely thats not enough for the drastic differences. My brother tried to get insured on a 2 litre when he was 22 and was told that he is statistically guaranteed to crash the car. Id love to see some detailed stats.

    What utter rubbish.


  • #5
    Viper_JB
    Registered Users, Registered Users 2 Posts: 1,260 ✭✭✭Viper_JB


    k_mac wrote: »
    But surely thats not enough for the drastic differences. My brother tried to get insured on a 2 litre when he was 22 and was told that he is statistically guaranteed to crash the car. Id love to see some detailed stats.

    lol that's insane insurance companies are the devil himself when you're younger or male, afaik men are not in more crashes we just have a tendency of doing something stupid when we are such as traveling really fast into a wall or trying to drive with your feet reversed (don't try it). But basically my point is that younger male drivers cause allot more monetary damage if they do crash - but to say someone will definitly crash is crazy talk.


  • #6
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    I wrote a car off when I was 19, and most of my friends did at least one each. I remember reading somewhere that the part of a man's brain that deals with risk assessment only develops around the age of 25. I'd assume that if there was an opportunity to charge young males less for insurance and still turn a profit then the ins cos would have taken it - they are, after all, here to make money.


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  • #7
    Cookie_Monster
    Registered Users, Registered Users 2 Posts: 24,522 ✭✭✭✭Cookie_Monster


    40% of road deaths were under 25 years of age

    So, that's just deaths, and does not relate in any way to who caused the accident in the first place.

    Imbedded in those stats are the like of a 35 years old man/woman with their 3 young kids in the car. If they crash and are all killed those kids are in the above stat but obviously did not cause the crash.


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