Automotive Guruz

Women drivers do have a bad reputation amongst their male counterparts but that reputation is certainly unjust. Men are much worse on the roads than women because they are statistically more likely to have an accident. As a result, they are more likely to make claims and the insurance policies of women have been covering that cost for some time now. Thankfully, insurers have recognised it and introduced womens car insurance

Womens car insurance is a niche product that is offered exclusively to women. There are specialist companies out there that only offer women-only products but some general insurers offer an individual policy for women. Some allow a man to be added to a womans policy but others do not, but that does not make the product unpopular at all. In fact, it is one of the most popular products out there.

Womens car insurance is basically the same as a regular car insurance policy. It has the same basic features as standard and you can still choose the level of cover from comprehensive, third party and third party fire and theft. However, despite having the main features intact it is much cheaper than regular policies.

Mrs Rogers from Sutton Coldfield in Birmingham is a prime example. She had taken out a policy with Nationwide but found it too expensive at renewal time. As a result, she chose to get quotes for her Vauxhall Corsa from several other providers and found that she could save 231 pounds with Sheilas Wheels.

Mrs Rogers is not the first lady to save this much and she will not be the last. In fact, there are still millions of British women that could save money by choosing womens car insurance. Those hundreds of pounds add up over the years and the initial policy itself can earn you substantial discounts, not to mention a possible discount for taking the policy out online.

Of course, it is important to compare the price of an individual insurance policy before you choose the one you want to take out to protect you but it is just as important to compare features because many female-only policies actually have extras on top of the conventional cover. For example, many will cover your handbag for up to 750 pounds when it is in your car.

Most women-only insurers and those offering an individual policy are also concerned with security because women are more at risk of attack than men. They will often offer a free breakdown service and a helpline. Some also offer a windscreen helpline.

Womens car insurance undoubtedly offers fantastic value for money for women up and down the UK. It can save you money and offer you the best possible features. This is what makes it a better option than regular car insurance for women.

Before looking at those reasons, it is important to check out just how much of a difference there can be between a male and female car insurance quote. Mr Bickley and his wife, Mrs Bickley, obtained quotes online for their brand new Ford Focus.

Mr and Mrs Bickley live in a rural village with little crime so they have peace of mind that their car is safe. However, they take safety precautions by putting the car in the garage every night and setting the alarm system. They are both 29 and have several years no claims bonus, with Mrs Bickley having 3 and Mr Bickley having 4.

The Bickleys went to E-Sure and CIS directly to get individual car insurance quotes as well as a couples one to compare the prices. Mr Bickley, having a years more no claims bonus, should have had lower quotes, but Mrs Bickleys quote was 107 less instead, all because she is a woman!

This is a great example of the fact that women pay less for their car insurance than men. This is because women do not have as many accidents, and have far fewer serious accidents if the statistics are to be believed. This all points to the fact that women do not tend to claim on their insurance whereas men do. As such, an insurer can lower the premiums for women because their profits are greater as a result of the lack of claims!

Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.

Men also tend to buy more powerful cars. According to some insurers, women are more likely to choose a car out of practicality rather than aesthetic appeal, which is completely the opposite of their male peers! The parts for faster cars and those more likely to be stolen are more expensive and thus so are the insurance premiums!

Womens car insurance also comes from specialists. Every woman can choose from specialist or general insurance but men do not have the luxury. As such, men should expect to pay more now and into the future!