They're not saying she's a better driver. They're saying that using the risk estimation techniques, mathematical models, and their business profile, they expect the female driver to be less costly to insure.
Even once that is PROVEN to be incorrect (in that persons case)
It hasn't proven to be incorrect. They've used historical details with their risk estimation techniques, mathematical models, and their business profile, to determine that they expect the female driver to be less costly to insure.
So using historical details,
Driver A has written off 2 vehicles of her own (I have no data on other victims), and been deemed by law enforcement to be too dangerous to drive at some point.
Drive B has been driving for an equal amount of time, however has 0 accidents, and a 0 penalty license.
To me, it looks the the only historical detail they've used to establish is "Born with Penis: Y\N" because in this example, at least, I don't see how you can deny that Driver A has proven the more risky customer.
You really need to stop referencing track time, and corners, and butterflying brakes etc. All of that is irrelevant to emergency stopping to reduce crashes.
No, because these are all very real factors to a persons driving skill. People who haven't had at least 1 track day often don't know how their car will behave in emergency STEERING situations.
Even my mum came out and did one so she knew.
Look, even if I give you the benefit of track day-goers being a 'rare demographic' of people
You can't lump butterflying brakes into that same scenario.
This is something you're taught by your driving instructor, and can't pass a defensive driving course without.
Defensive driving courses are (almost) mandatory in highschool (parents can opt a kid out, not many do).
It's something you use EVERY time you need to emergency brake. Jump hard, butterfly off so you don't lock them up.
It's a basic and expected driving skill;
even the examiner asks for a verbal explanation, 'What do you do if your brakes lock up?' when you get your license.
I'm pretty certain the brakes on my Pug 307 are unmodified although I did not buy it new but the first time I needed to brake for an amber it literally scared me - awesome stopping power.
Others who have driven her have said the same thing.
I've never modified brakes, just change the pads as needed, not much else in a car I haven't "improved" however :)
207 GTI's have nice size brakes for their body, they pull up nicely.
Mums 307 and 308 (vintage about 2009) are terrifying.
Had an accident happen in front of us at 80kmph, at a guess I'd say we did have about the recommended 2 seconds following distance, and it only JUUUST pulled up.
Edited by Master_Scythe, 08 January 2018 - 03:04 PM.