Men admitted to taking more chances while driving. Almost 30 per cent of males said they change lanes without indicating, compared with less than 20 per cent of women.
Men also admitted to tailgaiting and not giving way more often than women.
IAG spokesman Chris Kiddey said motorists are insured for simple negligence, but there may be no cover for crashes that resulted from gross negligence or recklessness.
The top 10 risky driving behaviours:
1. Eating and drinking while driving: 54%
2. Reaching or searching for objects in the vehicle: 43%
3. Changing lanes without indicating: 23%
4. Being distracted by a child or pet in the vehicle: 20%
5. Sending a text while driving: 20%
6. Talking on a mobile phone while driving (without a hands-free device): 14%
7. Tailgating another vehicle: 9%
8. Not giving way at a roundabout etc: 9%
9. Had a near miss with a motorbike, scooter or cyclist while driving: 9%
10. Driving a car or motorbike while wearing high heels: 8%