Women Drivers Car Insurance

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Women Drivers’ Insurance

With the overall number of female drivers in the UK increasing steadily since the mid-1970s, it is perhaps not surprising that the number of car insurance providers offering specialised insurance products for women has also increased in recent years. The emergence of a two-tiered motor insurance market might seem like a step back in time but in fact this development is highly beneficial for both insurance companies and female drivers alike.

Car insurance is a legal requirement in the UK with a minimum of third party cover mandatory before you can hit the road. However, insuring your car does not have to cost the earth; the car insurance market in the UK is highly competitive and, if you are willing to put in a little effort investigating your options, there are some great deals around that will not only provide good value cover but also a range of extra features and benefits created with the female driver in mind.

What is Women Drivers’ Insurance?

A large number of car insurance companies now offer specialised insurance products for female drivers. As well as the big insurers providing reduced premiums for its female customer base, there are now a number of companies that only deal with women drivers.

These specialist women-only policies are responding to a better understanding of the unique needs that women have behind the wheel and consequently they have begun to offer a number of attractive extras for female drivers. Special features currently available on the UK female insurance market include for example, priority roadside assistance, handbag contents cover, free breakdown cover and female friendly repairers.

Why do Women Only Insurance Policies Exist?

Statistics clearly show that female drivers are less likely than their male counterparts to be involved in a serious road accident. Home Office statistics show that well over 95% of all dangerous driving convictions are against men as well as over 80% of speeding charges.

Such striking disparities in the driving profiles of men and women are primarily because, on average, women tend to drive more carefully and at lower speeds. It follows then that female drivers are less likely than men to have to make an insurance claim. It is often argued that male drivers generally drive longer distances each year than women; whilst this is true, even allowing for this increased mileage, men still fare worse with a much higher risk of making dangerous manoeuvres and driving at high speeds.

Insurance theory states that if a particular group can be shown to be lower risk then, providing members of this group can be easily identified, they should be able to enjoy correspondingly lower premiums as the chances of having to pay out are reduced. With the data indicating not only that women drivers make fewer insurance claims than men, but also that when they do claim, the value of the damages tends to be significantly less, insurance companies can afford to reward the carefulness of its female customers with significantly reduced insurance policies. Of course past driving history and age will still be taken into account when calculating the premium but, on average, a female driver is a considerably safer bet than a male.

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What are the Benefits of Women Drivers’ Insurance?

The benefits of taking out a car insurance policy that is specifically geared toward female drivers are not restricted to the insurers; there are several key benefits for women themselves. Firstly, taking past history and other information into account, women drivers will generally find that the premiums will be lower than for men with a similar driving profile. As mentioned, this is because, as a group, women present a lower overall risk to insurance companies, such that the cost of cover can be reduced.

In addition to the reduced premiums, female drivers can also enjoy a number of intelligent extra features when taking out women drivers’ insurance that are absent from the less specialised gender-neutral market. Most providers of women drivers’ insurance in the UK, for example, tend to include around £300 worth of handbag cover as standard, protecting your bag and all of its contents against theft or damage.

On top of this, the market leaders in the women drivers’ insurance market all offer ‘female friendly’ repair services, such as ensuring that cars can be collected from garages in daylight or helplines that translate motoring jargon and provide counselling after any accidents.

As with all insurance policies, your premium will be determined by a wide range of factors and it always pays to shop around. But with the statistics finally backing a winner in the age old debate of who makes the better driver, it’s fantastic to see the insurance market wising up to what us women always knew – female drivers on the whole are more careful, cause fewer accidents and drive more slowly than men.

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Breakdown Cover for Women Drivers

With breakdown cover now starting from less than the price of a pair of shoes, you can afford to buy motoring peace of mind.

There are many different types of breakdown cover you can choose from. You can choose the basic level which normally includes roadside assistance, and recovery to a local garage, or, the more comprehensive levels which offer extras such as car hire, onward travel costs or even the cost of overnight accommodation while your car is being fixed.

Many breakdown cover providers also offer European breakdown cover as well as in the UK. You can purchase this for short trips away on the continent, meaning you will feel safe in the knowledge you can get help if your car breaks down abroad. This cover normally includes extras such as repatriation to the UK, 24 hour English speaking assistance and a hire car.

PetrolPrices.com compare the leading breakdown cover providers in the UK, to help drivers find the most suitable breakdown cover to suit them.

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