Car Insurance For Women In Uk

young person car insurance uk?

Question: Im almost 20 yrs old, i live in england, my car insurance is 200 pounds a month, as a 2nd driver on a citron zara picasso. i cant get my own car as the insurance will be more as we have 2 cars already (ones my mum that i drive too and one is my dad) if we get a car for me my cost will go up as its more likley for me to drive as its my car blah blah blah apparently young woman car insurance will go the same as young men car insurance too, when will this come into effect??? im a male btw

Answer: Strangely you do not seem to have posed a question here. but... There are some certainties in life. Death, taxes and young peoples insurance costing a lot of money - just the way it is. Seems you may be having the insurance "Fronted" for you by a parent - this is very illegal - see here for details > http://www.bbc.co.uk/news/10241769

UK Car insurance w/foreign driving history?

Question: I will be needing UK car insurance - I just passed my UK driving test. I have nearly 30 yrs experience driving in total (no accidents/claims) as I have held a US license during that time. I'm a middle aged woman - not a young driver, but wonder if my previous driving experience will count for anything with the insurance rates here in the UK. Or will I be treated as a new/inexperienced driver? I am resident in the UK with citizenship - so I'm not here temporarily.

Answer: over a certain age there are good offers try " insurance mature drivers " e.g. SAGA , also your employer or Trade union or AA / RAC ( MATURE DRIVERS ) Good luck you can drive now like every other nutcase , when you go back the states they ( police ) pull you over for driving up the arse of a H.G.V. fun here innit ! It's like on the road , PUSH , ARGUE for some no claims with your experience . The county sherrif flashed me and I flashed the truck in front .

UK Car Insurance for Transsexuals?

Question: What is the legal status of transsexuals with respect to motor insurance in the UK? Does an MTF transsexual (i.e., a woman born a boy) still have to pay men's (exorbitant) insurance prices even after the Operation, or does she qualify for cheaper car insurance?

Answer: Sure most motor insurance companies will happily write you a policy in a female name, but while you are pre-op they are highly unlikely to adjust premium / risk in your favour .... .... basically you remain "male" in actuarial terms (my own UK experience following honest disclosure ) - and since when did oral estrogens really affect your driving style / cut aggression ? - just made me a bit crazier a driver than I was already, cooler headed yes, more relaxed, but faster ! If you fail to tell your "past" gender to your insurers they have valid and legal reasons to decline any claim, certainly if you don't have a "Gender Recognition Certificate". Of course a broker might tell you that you're getting "female rates" to get your business, and absorb it in comission or profits .... but the cheapest insurers tend to be inflexible. Even if you are post-op in the UK, and with GRC & amended Birth Certificate, insurance remains effectively outwith the legal UK GRA framework. If you fail to disclose your past history of your life as a "male" to life assurers or medical insurers you absolutely invalidate your policy .... after all for a late transitioner (40 - 60's) you do not suddenly accquire the longevity, better cardiac health, etc. of a born female, indeed HRT might cause serious added health issues .... .... or suddenly become a calmer driver (esp. for younger TS women) ! Sure post-op & post-GRC you have good legal grounds for not revealing "past gender" when applying for new motor insurance, but I know insurance companies were "stick in the mud" when the Gender Recognition Act was being put together insistent that one's history influences risk. Not sure if the insurance companies would challenge, or whether its ever been tested in the courts. And as for health and life insurance policies forget it ! For health, medical, travel, life policies you usually have to disclose details that would "give the game away" anyway, like past hospitalizations, surgeries, current medication, indeed any significant factor that might affect your risk whether specifically asked or not (the delights of smallprint) ! So GRC does not confer automatic insurance rights, even when the "Provision of Goods & Services Act" is amended to include us .... one of the few areas where TS equality in UK law remains currently unresolved.

Soon insurance firms in the UK may not be allowed to charge males and females differently. Is this fair?

Question: Currently women tend to pay less for car insurance because they have been shown to claim less; there is a EU hearing that may outlaw insurance firms taking gender into account when assessing how much to charge which will result in young women paying a lot more for car insurance. Do you think this is fair? http://www.dailymail.co.uk/news/article-1361190/EU-equality-ruling-cost-British-taxpayer-1bn.html

Answer: Women fighted for equal rights, they got it.