Gender bias costs male motorists £17,000

New research from moneysupermaret.com an average annual premium for male motorists in all age groups in the £ 743, compared to just £ 454 for women.

According to price comparison site, male drivers can therefore expect to pay around £ 17,000 more than women for car insurance during motoring.

Several factors play a role in gender bias, but Moneysupermarket makes the point that the Home Office study in 2006 found 97% of drivers convicted of dangerous driving, and 94% of those sentenced to death by causing dangerous driving were male.

In addition, the average distance covered by the men in the UK during the 12 month period of 12,000 miles, while for women the number drops to 8000.

Women are also more inclined to take shorter routes than men and at lower speeds.

The cost of covering the difference between men and women is skewed by age, with the average premium for 18-year-old male driver is more than £ 2,200 a year, or more than £ 1,905 premium for the average male driver in his 40s.

Moneysupermarket recommends the following ways of reducing the premium for both sexes Equipment immobilizer or an alarm, garage and parking overnight on a more conventional model with a small engine.

The driver may also check their annual pass, and whether savings can be made in the course of restricted policy.

Finally, new drivers can reduce premiums by as much as 35%, taking the Pass Plus test to have their driver's license.

Why you need Car Insurance ?

The second largest purchase that most people will in their lives is the time of their car is their biggest house. The main difference is that statistics show that although people can change their home two or three times in your life will change their car at least ten times, if not closer to twenty. For this reason, it is also in the interest of the owner of the car to understand the intricacies of car insurance and why you need car insurance in the first place.

The law requires that every car on the road in South Africa is insured, at least in the most basic formats. The basic compulsory insurance or insurance is known only covers all the other cars to repair damage or injury to persons, insurance, and the damages that have been involved in an accident, which was responsible for. If the car has been damaged in any way or form any lasting damage, we will have to cover any costs of its own pocket. This is far from ideal situation and one that most people will be willing to pay money in order to avoid.

Most people who have owned the car at one time or another you know the secrets of car insurance, but for those buying a car for the first time, especially on a limited budget, can hardly understand or appreciate why you have to take out comprehensive car insurance.

Think about the fact that you are purchasing a vehicle that is a valuable asset. If the car is involved in any form of accident, it must be repaired. If it is totally destroyed or stolen, it must be replaced. If you do not have comprehensive insurance, if such a disaster you want to have to find itself in a very simple choice. Or go and buy a new car or not. However, if you have the good sense to take out comprehensive coverage, the insurance company will provide you the financial ability to go and buy a replacement.

Insurance premiums are not extortionate, calculated on an annual basis, and should be of approximately 6% of the replacement value of your car. There are many people in South Africa who are willing to pay this kind of money on their car back, but for them is too late.

For someone like you, who buys his first car and the fact that their comprehensive car insurance policy appears to be a lot of money, it should bear these facts very mind. In addition, please note that full insurance usually covers the provision of a replacement vehicle while your car is in the body shop for repair or when you are on the search for a replacement if your car has been stolen or deemed to be "total loss" by insurance assessors.

Includes comprehensive cover against theft from your car, as well as damage to the car in case of theft. Items such as radios, CD players, GPS, mobile computers and items of clothing is especially popular for car thieves.

Not taking out comprehensive insurance for your car, its occupants and its contents is one of the worst forms of false economy. When buying your first car to take it and stick with it for all motoring life, in the sincere hope that there will never be needed.

Attorney General Calls for Massachusetts Auto Insurance Rate Hearing

Attorney General Martha Coakley's Office issued a request to the Department of Insurance (DOI) to initiate the administrative review to assess the rates of a new auto insurance company in the market in Massachusetts. Occidental Fire and Casualty Insurance Company of North Carolina (Occidental) returns to the drivers of Massachusetts charging rates that are based on the rates the company charges”high risk” drivers. The company also seeks additional fees and surcharges that the further increase in costs for a number of potential drivers. In its rate filing Occidental failed to provide required data to justify additional rate is charged to policyholders, including the good drivers and do not justify their proposals for fees and surcharges.

"We have serious concerns Occidental proposed rates and this will have an impact on drivers without insurance different choices," said Attorney General Coakley. "We have recently learned that a number of auto insurers in Massachusetts are not renewing contracts with multiple agents or agents of the city in less affluent, minority areas. Occidental If only companies offering insurance in these areas, many consumers are directed to pay these unjustified and excessive contributions. "

The Attorney General's Office has the right to challenge the proposed premium rates under Massachusetts law. In accordance with state law, if the Attorney General's Office challenges the rate of application, the Commissioner of Insurance can not approve Occidental's feet without a public hearing. At the hearing, Attorney General's Office is entitled to cross examine the testimony of witnesses and to ensure by independent experts on the proposed rate.

Occidental submitted its initial rate filing for 13 February 2009. The company proposes to charge the base rate which is higher than 10% of the basic rate charged by Massachusetts' residual market last year. Residual market pool of drivers is that insurance companies consider to be "high risk" and usually do not have to offer policies. A "high risk "driver is someone who is insured, usually with poor driving record, which has to pay the losses that are above average. While the residual market interest rates are generally much higher than average rates because they are based on high-risk pool drivers, Occidental does not provide support or justification in its submission to charge similar rates to all its consumers, not just those who are high risk.

The Attorney General's Office is also a challenge to various provisions of Occidental's application to be unfair or in any other manner inconsistent with the law in Massachusetts. Here are some examples:

• The company proposes to add 35% surcharge on each policy that can not verify your driving record. This includes any official from a foreign country that can not be obtained in English. Under this policy, each of the recent immigrants do not speak English, the country can not be charged to evaluate the inexperienced driver, but in addition, 35% surcharge, which the Attorney General challenges unjustified.
• Occidental high fees and unnecessary charges, including $ 25 policy fee "to" cover the costs necessary to attract the customer and write, "and $ 8 an installment fee in violation of Massachusetts law if the fees are not justified.
• Occidental requires consumers to pay a deductible in addition to comprehensive general deduction of glass on glass claims in violation of Massachusetts law.
• Occidental may prevent consumers from its policy after the restoration of their receipt of the notice of appeal for nonpayment, which is contrary to the law of Massachusetts.

This case is handled by Assistant Attorneys General Monica Brookman and Peter Leight Attorney General Coakley to the insurance and financial services Division.

High Point Auto Insurance Partners With the New Jersey Soccer Group

High Point Auto Insurance is proud to partner with the New Jersey Soccer Group by offering its members special discounts on car insurance in High Point. High Point, a leading auto insurance company in New Jersey, has been building a solid group and affinity marketing program for the last 18 months - more than 75 cooperation with the New Jersey-based employers' associations and groups to date.

High Point Auto Insurance is thrilled to announce a new partnership with New Jersey Soccer Group, "said Jim Tignanelli, President, High Point Auto Insurance. "With over 40,000 members in New Jersey, this new partnership will offer thousands of families in the country the chance to save on car insurance."

This discount is in addition to the many discounts that High Point has now, which could save users up to 50% in New Jersey car insurance!

"We are very pleased to partner with High Point and offer our members additional benefits," said Andy Sones, Chairman of the Board, New Jersey Soccer Group. "Our partnership with High Point, not only help our current members save on a large house-hold to buy, but also provides us with greater opportunities to expand our membership Statewide," said Sones.

In addition to New Jersey Soccer High Point Group provide annotations and form partnerships with more than 75 New Jersey-based employers' associations and groups. Marketing through these partnerships has been beneficial for the High Point and its partners. The current group of programs exclusive to the approval of the New Jersey State Chamber of Commerce, OnStar, New Jersey Dental Association, New Jersey Society of Certified Public Accountants and a number of local fitness throughout the state.

"In search of unique marketing programs designed to provide discounted auto insurance in New Jersey families based on their affiliation with various associations and groups such as the New Jersey Soccer Group is one of the ways in which High Point is more than just insurance "said Tignanelli.

High Point Auto Insurance is one of the largest auto insurance companies exclusively serving New Jersey customers. Customer Service # 1 High Point customers. High Point Auto Insurance is a Plymouth Rock Managed Company and is underwritten by High Point Property and Casualty Insurance, 331 Newman Springs Road, Suite 304, Red Bank, NJ 07701-5692. More information can be found http://www.highpointins.com/

In New Jersey Soccer Group offers unbeatable one-stop-shop for soccer in New Jersey. For more information, click on http://www.njsoccergroup.com/