The colour of a car may be taken into account when calculating a motor insurance policyholder 's preferences , according to Johan Minnie , particularly at insurer Liberty . Speaking at a round - table meeting in Johannesburg , Minnie said the analyst has found this question to be an instructive part of a risk assessment , and suggested that black , red , charcoal and white cars are generally classified as more risky . Colour selection could reflect a driver 's " personality traits " , with red vehicles associated with faster drivers and white vehicles favoured by the risk - averse , according to van Meintjes , head of risk products at Liberty .
The colour of a car may be taken into account when calculating a motor insurance policyholder's premiums, according to Johan Minnie, director at insurer Liberty. Speaking at a round-table meeting in Johannesburg, Minnie said the company has found this question to be an instructive part of a risk profile, and suggested that black, red, charcoal and gold cars are generally classified as more risky. Colour selection could reflect a driver's "personality traits", with red vehicles associated with faster drivers and white vehicles favoured by the risk-averse, according to Henk Meintjes, head of risk products at Liberty.