As randyraven (brill name btw) correctly points out... women have lower insurance charges, simply because they are less likely to be involved in accidents. The insurance companies are not likely to get that one wrong - they are in business to make money, not be politically correct and if they find women to be safer drivers, then women are safer drivers... doh... (ps the amount of money I pay for my motor cover is over a third less than what my best mate - male, same age, same circumstances etc etc - pays... )