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Cheaper car insurance for womenCar insurers assess all applications based on the risk the driver poses. The higher the risk, the higher the premium. Lucky for ladies, insurance companies see them as a statistically safer group of drivers - that makes women drivers a 'better' risk as it is less likely the insurer will have to pay out on the policy. The lower the likelihood of a payout, the less the insurer will charge you for your car insurance. It really is that simple. |
| The most marked difference between motor insurance premiums for men and women comes in drivers under 25, where female drivers' premiums are typically at least 30% lower than those of male drivers. Many new insurance companies have sprung up in the last five years, offering exclusive rates to women behind the wheel. While there is some debate as to whether or not offering insurance to people at special rates based on gender is unfair, the general consensus is that these companies have identified a gap in the market and are exploiting it to the benefit of female drivers in the UK. |
| These bespoke car insurers offer women drivers a wide range of perks, from higher no claims bonuses and discounted (or free) road-side assistance cover to special optional cover for replacing your handbag if it is snatched from your car. In general, the web sites are clear, the staff answering the help lines are efficient and you'd be hard-pressed to notice a difference between one of these specialist firms and a huge, ordinary car insurer - apart from the premium they offer you as a woman behind the wheel. |
| Some of the more traditional car insurance companies offer very competitive rates for lady drivers, so it is, as always, advisable to check with a couple of 'normal' insurance web sites to compare with the quotes specialist sites have given you. |
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