Cheap car insurance for women

When taking out car insurance, insurers attempt to determine how much of a ‘risk’ you are, with riskier drivers likely to be quoted higher prices. Although gender no longer affects the premium price you pay, men tend to more regularly fit the profile of a 'risky' driver.

In December 2012, a ruling on equality from the European Court of Justice came into effect. It banned insurers from taking gender into account when calculating insurance premiums.

Providers who specialise in car insurance for women largely originated before the 2012 ruling from the European Court of Justice. Since then, these companies must now offer car insurance for men, too.

Providers that specialise in car insurance for women could offer several benefits or add-ons as part of their cover. These include:

• Priority breakdown cover: If you breakdown, you’ll be given priority if you’re in a dangerous location, a woman on her own, or a family with young children
• Handbag cover: If your handbag is stolen from your car, or it’s damaged in an accident, you can claim for damages or loss of it and its contents
• Child car seat cover: If you’re a mother who regularly drives with a car seat, you can cover these against damage, in the event of an accident, or theft

Adding your partner is a common way for people to save money on their car insurance (depending on their previous driving experience) – and most insurance providers will allow you to add your partner to your policy. 

Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you drive. They do this through one of three types of telematics tech – either a black box (the most common) installed under your dashboard, a plug-in device or an app on your smartphone.

This tends to benefit younger drivers the most, as it offers a way to get lower car insurance premiums as a reward for driving safely.

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