TAILIEUCHUNG - Sex differences in driving and insurance risk

We have responded to the visit and mystery shopping findings by taking a range of actions designed to deal with those firms that fail to treat their customers fairly and to improve PPI sales standards in the future. We have referred four firms to Enforcement for further investigation and are actively considering referring around 20 more. Eleven firms have stopped selling PPI either permanently or temporarily until such time as they improve their sales processes and/or retrain their staff. A further three firms cancelled their permissions after we visited them and four firms are undertaking a past business review. We have instructed two firms to provide an. | Sex differences in driving and insurance risk An analysis of the social and psychological differences between men and women that are relevant to their driving behaviour Prepared by The Social Issues Research Centre August 2004 Social Issues Research Centre 28 St Clement Oxford OX4 1AB Tel 44 1865 262255 Email group@ Sex differences in driving and insurance risk Contents Executive Sex differences in aggression and driving Sex differences in traffic regulation Sensation seeking and The perspective of evolutionary SIRC August 2004 Page 2 of 24 Sex differences in driving and insurance risk Executive Summary Men and women exhibit different driving behaviours that affect their attitudes safety and insurance risk. Many factors underpin these differences including neurochemical structures and hormonal processes shaped by evolution and global socialisation practices. Each plays a part in explaining why men and women drivers have very different records in relation to accidents and insurance claims. Differences between male and female drivers in terms of crash rates are evident in a wide range of countries including the United States Europe Asia and Africa with males being significantly more at risk than females. Similar differences are evident regarding male and female pedestrians and accidents in the home and workplace. The differences are not easily explained in terms of levels of competence and driving skill of men and women. They derive from more fundamental differences in specific areas of behaviour and psychological functioning. There is extensive evidence to show that men and young men in particular tend to be more aggressive than women in all known cultures and they express aggression in a direct rather than indirect manner. This has a very significant impact on driving - encouraging more competitive and hostile behaviour with consequent higher .

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