Thursday 14 December 2017

Women drivers more likely to hit parked car, men more likely to hit pedestrian - research

Vicky Shaw

WOMEN drivers are more likely than men to crash into a parked car - but men are more commonly involved in multi-car pile-ups or accidents where someone walking on the pavement is hit - an insurer found today.

Diamond studied more than 400,000 accident claims over the last five years to pinpoint the different types of collisions that male and female drivers are involved in.

The findings come after European "gender neutral" rules took effect last month, meaning that insurers can no longer take someone's sex into account when deciding how much they should pay.

Young women drivers have been among the worst affected by the rule changes, due to the relatively high accident rates of young men.

Diamond found that in general, women drivers tend to be involved in low-impact collisions in places such as car parks, while men are more often caught up in "destructive" high-speed crashes.

Diamond managing director Dave Halliday said: "Accidents caused by men are on average more costly than those caused by women.

"This was why in the past women paid lower insurance premiums than men.

"It's a month since the EU gender directive came in and our research clearly shows there are differences between men and women."

Researchers also found that overall, men are more likely to have their car stolen, suffer flood damage, have something stolen from their car and claim for fuel contamination.

Here are the types of claim which are more likely to involve women drivers, according to Diamond:

:: Hit parked and unattended vehicle

:: Collision in a car park

:: Reversed into a vehicle

:: Accident when driving out of a minor road

:: Accident when pulling from a parked position

:: Hit a wall

:: Hit stationary vehicle

:: Collision on a roundabout

:: Accident when turning across another vehicle's path

:: Hit another vehicle

And here are the types of claim which are more common among male drivers:

:: Hit an animal

:: Hit a crash barrier

:: Ran down/up an embankment

:: Hit a tree

:: Hit a pedestrian on the pavement

:: Head on collision with another vehicle

:: Multi-car shunt

:: Policyholder hit a motorcyclist

:: Narrow lane collision

:: Policyholder changed lanes and hit a vehicle

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