Insurance for women to be the same as men

I might be being stupid here, but surely insurance is about risk, I know from personal experience, that 17/18 year old males are more likely to wrap their cars round a tree than females. Point in case, I smashed my motor up 17 days after I passed my test, I ran out of talent.:eek::eek::cautious: Oh, and yes I was racing a mate, thinking my 950 Fiesta would be quicker than his MKIII Cortina, which it was, either that or he was driving more sensibly.:stop::censored: