£2000? 
Its sexism really, and I mean no offence here to anyone as I know you're all part of the decent driver crowd, but from day to day driving I see more women causing accidents and the person that's had to take evasive action is punished and is usually male
(We genuinely have a high accident rate round here and that's normally how it goes)
Though I believe finally that the gender divide has gone from insurers now?