There has always been the common debate; who is better at driving, men or women? There are many car insurance companies who supply insurance just for women. This is because statistics have continuously shown that women are safer drivers and will have less serious accidents compared to men and therefore insurance companies believe that they are less likely to make a claim which means cheaper car insurance premiums with more attractive excesses for women are available, especially when you shop around using both general insurance brokers and those specialising in women only car insurance.
Many Government statistics have found that men are responsible for most accidents and 92% of driving convictions were committed by men. This is a huge difference compared to 8% of women. This alone proves that women are more careful drivers, less likely to be involved in an accident and make a claim on their insurance and they are rewarded with lower insurance premiums. These benefits aren’t just limited to experienced women drivers, young women will also find their car insurance is cheaper than their male friends of the same age and driving experience.
There are many women only insurers, these include Sheila’s Wheels and Diamond Insurance. Car insurance for women from specialist women only brokers and insurers can come with a wide range of benefits, these include handbag cover, specialist mechanics, car hire and many more. It is therefore essential you should around and compare car insurance quotes for women to get the best deal available.
Although car insurance policies from women only insurers are built with the benefit of women in mind (such as the added extras) it is possible to add a man such as your husband or partner to your policy this makes it easier to use and removes all potential stress if you ever needed to add someone to your policy. There may be additional charges for this which is down to the individual insurer and should be looked into before purchasing.
As women are less likely to have an accident they will also quickly start to build up years of no claims bonuses which can give you further exciting discounts on your car insurance, each year as you build up your experience.
Women planning on insuring their car and taking advantage of the women only discounts available should do so as soon as possible. As recently the European Court of Justice ruled that using gender when calculating the cost of insurance was actually discrimination against men. This now means that sadly, women will soon see huge increases in their car insurance prices, up to 25% for some women. The changes will be introduced over the next year, the deadline for all insurers to change the way they calculate the cost of premiums is the end of 2012. It is therefore essential to get your insurance quotes as soon as possible before the women only car insurance discounts end and you encounter the huge increases.