Women drivers are more likely to make a claim on their car insurance for an accident that is of their own making, according to analysis of over 11 million car insurance quotes through MoneySuperMarket.com
That said, men rack up the most significant claim costs. The total value of their claims is far higher, by a margin of 15%. The average cost of a claim for ‘at-fault’ accidents is £3,187 for men, compared to £2,771 for women – a £416 difference.
The research also reveals the highest proportion of claims made by women are under £1,000 (37%), whereas the highest proportion of claims carried out by men are greater than £2,000 (34%). Five per cent of claims made by male drivers cost more than £10,000, compared with just 3% made by women.
Peter Rodger, head of driving standards at the Institute of Advanced Motorists, comments: “These figures raise some quite serious questions; especially as to why males are involved in more collisions that have a serious end result. It is worrying that accidents involving males require more expensive repair work to their vehicles – do men feel their cars will protect them more in the event of a heavier accident?
“With the highest proportion of claims by women being under £1,000, it appears that women don’t want to be driving around in a car with visible accident damage. Many people see cars as an extension of their attitudes and personality; perhaps women have more pride in the appearance of the cars than men do.”
Kevin Pratt, car insurance expert at MoneySuperMarket, said: “Anyone that has been involved in a road accident will know how traumatic it can be, regardless of whether you were at fault or not. After dealing with the shock of an accident, the second blow is often the cost of the claim. Our research shows the average claim value for an ‘at-fault’ accident is nearly £3,000. Claiming for either an ‘at-fault’ or ‘not at fault’ accident will affect the cost of your car insurance premiums, as when an insurer assesses a driver’s risk profile, any history of accidents will probably mean the motorist pays more."
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