Over the past few weeks, a debate has resurfaced and it is one that has raged for a number of years. Is the gender price difference on car insurance discriminatory? Well, the issue has now been settled by a EU ruling that has stated that insurers can no longer charge different premiums based on gender.

Yes! It is a victory for male drivers everywhere! But is it that simple? Were insurance companies justified in over-charging men for all these years? If men and women were to both take driver risk assessments, who would come off better?
It must have angered male drivers that they have to pay more than the fairer sex due to the stereotype of the boy racer. Unfortunately, official figures back up the insurance companies’ concerns.

Insurance is all about risk and unfortunately young men are a much greater liability. In 2009, 13% of drivers reported in accidents were young males (17-24 years old). In comparison, women of the same age bracket were involved in just 8%. This evidence suggests that male drivers would benefit from a driver risk assessment.

So is it discrimination if young men are a genuine risk? Would it be unfair for insurance companies to charge more for home insurance if you lived in a bad neighbourhood? No, again it’s all about risk.

It is a topic that can be argued long into the night, but unless we are all willing to pay a flat rate for insurance and pay the same as worse drivers, then perhaps the gender difference is fully justified.

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Driving Risk Management offer in-vehicle Driver Risk Assessment.

If you are looking into different ways of saving fuel costs, two options you will probably consider are driver development or changing to a more fuel-efficient car.

Driver development involves teaching the driver how to be more fuel efficient. Reports show that 10%-15% savings can be achieved through eco-driving.

But if that’s not enough, you could also look into changing the vehicle itself to something more fuel-efficient. It seems as if 2011 is set to be the year of the Electric Car, with every car manufacturer releasing or planning to release a hybrid or fully electric model over the next 12 months. We take a closer look at some of the emerging market leaders of the year so far.

The Chevrolet Volt: Making headlines in the U.S., the Chevrolet Volt has already been crowned 2011 Green Car of the Year at the LA Auto Show only a few months after its release.  Thanks to this and an increase in public demand, General Motors are planning on putting significant investment into the model.

The Nissan Leaf: Named the 2011 European Car of the Year, the Nissan Leaf has seen massive sales all around the world and has just arrived in the UK. With an all-electric, emission-free range of 100 miles, the Nissan Leaf is ideal for those looking to travel around the city in a clean and efficient manner.

The Smart for Two: SMART has also released an electric car to enormous fanfare. Like its petrol equivalent, the SMART ForTwo allows for easier parking, but now with the added bonus of being completely green.

The Toyota Prius: Thought strictly a hybrid, we couldn’t go without mentioning the model that is arguably responsible for transforming the market and increasing demands for greener cars. Constantly popular and ever in-demand, the Prius was and still is a market game-changer.

With fuel prices steadily going up, it is no surprise consumers are turning to electric models. Even major sedan manufacturers like BMW are noticing the trend and are producing greener models such as their electric, carbon fibre Megacity Vehicle, which is due for release next year.

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Driving risk management for Driver Development courses.

With fuel prices going up and up, driving is rapidly becoming a major expense for companies. Those with fleets of lorries and vans are finding themselves especially hard hit, but there is a way that savings can be made with some simple fuel efficient driving rules.

Some are obvious, such as making sure your vehicles have regular MOTs, ensuring that the tyres are fully inflated and making sure the vehicle carries as little weight as possible. However seeing as many companies that use fleets work in logistics, saving weight isn’t always an option. There are some rules though, that if followed, can facilitate fuel efficient driving and therefore greatly save costs.

Driving speed is an important factor. As you’d expect, the faster you drive, the more fuel you burn so if you want to save money on your fleet, get your drivers to maintain a moderate pace. One way of doing this is to have a fuel consumption read-out, which allows the drivers to identify bad habits as well as keep track of consumption.

Changing to higher gears when the traffic allows, as well as avoiding heavy congestion, also provides savings, but there are little changes that can also assist fuel efficient driving. These include:

• Not starting the engine until you’re ready to go
• Driving smoothly, accelerate gently, anticipate
• Cutting down on the air-con
• Turn off heaters, demisters, headlights
• Turning off the engine if you are stuck in a queue

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For UK companies, Driving Risk Management offer a range of products and services to help you reduce your vehicle fleet running costs such as fuel efficient driving courses and high performance driving courses.