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Women's Car Insurance

Car insurance tips for women

If you're a female driver looking for a better deal on your car insurance, the good news is that insurance companies may be able to offer you a competitive premium with a good range of benefits. This is because claims made by women on their vehicles tend to cost less than those made by male drivers of the same age.

According to the Association of British Insurers (ABI) the average cost of an insurance claim made by a woman aged between 30 and 50 is £1,200, while for men in the same age group the average claim costs the insurer £1,450. For young drivers the difference is much greater, the average claim for a female driver aged between 17 and 19 is £2,734, while for a male of the same age it is £4,473.

So what policy benefits can insurance companies offer you as a female driver?

Your peace of mind is likely to be important to you. You want to know that if something happens you can get things sorted out quickly. Look for a comprehensive policy which provides a replacement car while yours is repaired, has a 24-hour claimline and provides access to a 24-hour service for replacing or repairing windscreens. If you use your car for work, or for taking the kids to school, a policy with these benefits could help you stay mobile.

Replacement car seats

If you have a family it's worth looking out for a policy which provides cover for child car seats. With our comprehensive cover we'll replace child car and booster seats if they are stolen from the car or damaged in an accident or fire.

Replacement locks

Cover for the cost of replacement locks is a useful benefit to look out for if you are looking for complete peace of mind, and it could save you money if you are unlucky enough to lose your keys. With our comprehensive car insurance policy you are covered for lock replacement up to £500.

Personal possessions cover

When you're comparing car insurance policies it's worth looking at the level of personal possessions cover on offer. If you carry valuable belongings, like your mobile phone, around in your handbag it could be worth looking for a policy that provides a good level of personal possessions cover. This way, providing you've locked the car, you're covered if your handbag is stolen from your car on the day you forget to take the bag with you.

Help with recovering uninsured losses

Before you a buy an insurance policy it's worth looking to see whether the insurance company provides any assistance in recovering your uninsured losses from a third party. If it does, you have the reassurance of knowing that in the event of an accident caused by a third party, you'll receive professional help in attempting to recover uninsured losses, like your policy excess or a loss of earnings. Some policies, including our car insurance policies, also provide assistance to help you pursue a personal injury claim following an accident.

Car security

If you're seeking a reduction in your car insurance premium it's worth looking at a few things you can do which could get you a cheaper car insurance quote. If you can avoid it, don't park your car on the street at night. If you have a garage, make sure you use it and lock it at night, because the extra security could bring you a discount on your premium.

Improving the security of your motor vehicle can also help towards reducing your car insurance premium. Insurance companies can advise on which security devices will bring a discount. Tracking devices and immobilisers are likely to attract the best discounts.

As a woman looking for car insurance, you could get the policy benefits you need with the AA.