In a perfect world.....
The insurance companies will meet in the middle, as mentioned before. Mens premiums go down, womens premiums will go up... But we are not in a perfect world.
I have always said that gender should never play a part in insurance. Sure "Statistically" more men are involved in accidents. But "statistically" the average person in the UK has 1.8 legs, you won't let that change your opinon when you look down and count.
The fact of the matter is that ther are more male drivers on the roads than female drivers. If you isolate this figure as a snapshot of cars on the motorway where more expensive accidents occur, then the ratio goes up. So if you look at a situation whereby a woman driver skids on a patch of oil, spins and in the course of events takes out 4 other cars driven by men. the stat would read 4 male drivers involved in accidents 1 female driver involved.
From an insurance point of view is that accurate? No. Because 4 men were just minding their own business and it was not the womams fault that the accident occured, it was poor road maintenance. But the stats would stand and all the men in the UK would be punished for it.
Similar thing goes for driving experience, you can have a stay at home housewife/husband, doing the school run, shops and occasional day out doing 6k miles per year. On the other hand you can have a sales rep, travelling up and down the customer 5 days per week as part of their job doing 40k miles per year. In a single year both of these examples will be awarded with their annual gift of 1 years no claims bonus. But which has accrued more driving experience?
But all this fact finding is far too costly, its better to pick a random number out of thin air then double it, quote done!
I know that a lot of people have said that you can't discriminate by location. I have to disagree with you on that one. As it is not just accidents covered but theft too. And if your post code shows a high figure of car related crime/vandalising/etc then the stat would stand. But what does get my goat is the fact that I moved from one town to another, I was in the middle of a premium and I had to pay an additional cost due to the change in address (this was not and admin fee, that was paid on top). 2 years later I moved again back to the first town and the same thing happened. Now either car crime in my town ballooned in the last two year or insurers will just look for any excuse to take money from you.... It's not like you can opt not to have it,