What Car Insurance Companies Offer Women

A number of factors have contributed towards the emergence of insurance companies in the UK that offer car insurance for women only. Or, at least, car insurance companies that offer very specialised deals for women looking for car insurance.

Women are less of a risk for insurance companies and are safer drivers. This is based on statistical facts despite how the guys may protest. It seems that women are far less prone to speed; break the rules of the road; be involved in serious accidents that result in a car being written off; be convicted for drink-driving; and are generally more careful on the road.

There are reasons for these factors, of course. Some of them are just the result of clear differences between men and women (for example, the fact that most women do not speed on the road) but others are because of the kind of lifestyle women adopt.

For instance, the reason why men make bigger claims for accidents is because they tend to spend more time on the road. This is because men generally have jobs that require more travelling, or do the driving when going out. Also, women are more careful on the road because they tend to do the most driving with the kids.

So there are good reasons for the factors; and the result has been substantially advantageous for women. Even young women, who fall under the high insurance price bracket of under 25, can still take advantage of these facts.

So what do companies that offer only car insurance for women provide?

Other than lower premiums, women-only car insurance companies – or specialised deals for women only – provide many other extra services for women.

These include providing a courtesy car in the event of an accident. This means that women will not need to find alternative means of transport while the car is in for repairs. Extra services also include the guarantee that the staff repairing the car will be female-friendly, and the addition of a 24-hour helpline if it's needed.

What's more is that women usually will also be able to have access to handbag cover, which means that the contents of their handbag will be paid for should it be stolen or damaged. The contents of the car are usually also covered (such as a stereo system etc.) and many insurance companies are happy to provide more flexible payment options for women.

Whether young or old, many other factors can drive the cost of the insurance premiums down even further. Firstly, the type and size of the car is imperative. Faster cars will still be frowned upon for younger ladies, and its best to stick to a modest model that's new or fairly new. If the car is too old it will be seen to be less secure and easier to steal, plus it may be seen to be more accident prone.

Having a lock-up garage will also decrease the premium, and often insurance companies may be willing to drop the price if their customer agrees to drive during specified times only. Annual payments, rather than monthly payments, can also reduce the overall cost of car insurance for women.

So, if you're a woman; young or old; you can get a great deal if you do some shopping around and are careful to note the extras you can get. Take advantage of the statistics!