Comparing car insurance for women
You might remember some TV adverts a few years ago that promoted car insurance designed just for women. They involved quite a lot of pink, and singing.
But you may have noticed that there aren’t any ads like this now. That’s because the EU put in place a Gender Directive in 2012 that, among other things, made it illegal for insurance companies to use gender as a basis to price insurance. So officially, there’s no such thing as women only car insurance any more, although some insurance is targeted at women.
This is a bit of a shame for women, as they are statistically shown to be safer drivers than men and likely to have cheaper claims. So they were able to get cheaper insurance prices… but not any more!
But never mind. You can often save some money on your car insurance by shopping around.
Getting a quote
The best way of getting a view of the kinds of policy available and what they cost is to use comparethemarket.com to compare quotes. Just click ‘Start a new quote’ and enter your details, it only takes a few minutes. We’ll then get you a list of car insurance quotes tailored to you and your car. We list them out in price order with the cheapest car insurance at the top of the page.
You shouldn’t just choose the cheapest policy without looking at it properly though. It’s very important that you choose a policy that’s right for you.
There are a few things you might like to think about when you’re doing your car insurance comparison.
Our page of insurance quotes shows you whether four optional extras are included in each policy. These are windscreen cover, courtesy car, breakdown cover and motor legal protection. Cheap car insurance often doesn’t include these options as standard, so think about whether any or all of these would be valuable to you.
Windscreen cover means your provider will arrange to replace or repair your windscreen if it gets chipped or cracked (depending on the size of chip/crack). There is usually an agreed excess for repair or replacement. If a courtesy car is included in your policy, then you will get a replacement vehicle if your car is out of action because of damage or an accident. How this works can vary among the car insurance companies, so check the details carefully.
Breakdown cover give you support if your car suffers a mechanical breakdown. Again this can vary between providers. You might prefer to buy breakdown cover separately instead, so that you can choose the level of cover to suit you. Luckily, you can compare breakdown cover with comparethemarket.com too.
Motor legal protection could help cover the costs to claim compensation for any injury or losses that are caused in an accident that isn’t your fault.
Saving a bit more
Something else that is worth looking at is your voluntary excess. If you increase this amount, it means that you are happy to pay more if you do need to make a claim. In exchange for this, your policy may become cheaper. It’s a bit of a balancing act – you decide whether you would rather have a cheaper insurance premium, by taking the chance of paying a larger sum if you do need to claim.
Other ways you can save a bit of money on your insurance premium is to reduce the mileage you do in your car each year. If you drive a lot – say more than 10,000 miles per year, your policy could cost more. Driving around 5,000 miles a year might make it cheaper. You could also buy an approved steering wheel lock, which may deter potential car thieves and possibly reduce your premium a little.
Third party only policies can be cheaper than fully comprehensive policies, but remember, they only cover the cost of damage to other people and property, not your own car. Third party, fire and theft offers a little more cover, as you will get a payout if your car is damaged because of a fire or it is stolen. This is more appealing if your own car isn't worth very much. but if the difference this cover and comprehensive insurance is small, you could get better protection by choosing fully comp.
A newer option on the market, which can make insurance cheaper, is black box insurance (sometimes called telematics). With this kind of policy, you agree for an insurer to put a special tracker in your car that measures your speed, how often you drive and, with some policies, what times of day you drive. If you drive safely, not too often and at safer times of the day, you could be rewarded with cheaper monthly premiums. With women believed to be safer drivers, this could be the next generation of car insurance for women.
A final thing to think about is that although paying for your insurance on a monthly basis is convenient and splits the payment into smaller amounts, you will end up paying more in total than if you pay for the policy with a single payment up front. Our quote page allows you to calculate the difference between these costs to help you decide what to do.
Once you’ve chosen the most suitable women’s car insurance, click ‘Go to provider’ to buy the policy online, or call them to discuss it in more detail. But make sure you understand all the details of the insurance before you buy it so that you have the right cover in place. It’s easy to check with comparethemarket.com, which is why we think we’re the best car insurance comparison site.