Women are less of an accident risk, stats reveal
31 August 2016, 12:35
Johannesburg – Statistics from Alexander Forbes Insurance show that men have fewer accidents than women. However, the extent of the damage done to vehicles is more “severe”.
In a statement released on Monday, L’eanne Harrington, senior manager at Alexander Forbes Retail, said: “Men have more vehicles written off than women do.”
Statistics show, from middle age, there is a higher accident partial damage frequency for female drivers. Harrington said this could be caused by distractions from little children in the car, or by young learner-drivers driving a mother’s car.
“Across all ages, the average cost per claim by male drivers is higher than those of their female counterparts.” She explained that for higher-powered vehicles, men have more accidents.
“For vehicles over R500 000, the average cost per claim for females R51 537, compared to R59 805 for males.” This is because women are less likely to speed or drive recklessly, she explained.
Women also drive cheaper cars. About 75% of female drivers have a sum insured value of under R250 000, compared to 70.75% of males’ vehicles.
Younger males have a much higher write off frequency than women.
Statistics from Alexander Forbes Insurance
Motor accidents lead cause in unnatural deaths
Statistics released by Discovery Life in July 2016 indicate that there is a higher prevalence of unnatural deaths caused among young people, especially those below the age of 25.
Statistics from Discovery Life
Unnatural deaths accounted for 21% of all life claims in 2015 and 40% of these claims were attributed to motor vehicle accidents.
Read: Car crashes, suicide top unnatural death claims - Discovery
Advanced drivers on the VitalityDrive programme, which incentivises better driving behaviour, showed lower prevalence of car accident claims than drivers at the entry or base level.
The average amount of the claim for advanced drivers was less than those on the base level.
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