In recent years car insurance for women has undergone major changes driven by the realisation by insurance companies that women do less damage to their cars.

Research has shown that women drivers are safer, make more cautious decisions and are less inclined to road rage than men. Women drivers may not have less accidents, but those who do have tend to do less damage than accidents involving men drivers. This results in lower repair costs.

Lower insurance premiums for women

This means that women should pay lower car insurance premiums and/or get improved insurance cover benefits. Some insurance companies now specialise in offering such policies. These include First for Women and more recently Fenomenal Insurance. Most insurance companies will now take gender into account in determining insurance premiums.

Car insurance is vital to protect you financially from the myriad things that can happen unexpectedly to your prized vehicle, such as theft, a crash or plain old engine trouble. It is also important to make sure you have the best insurance possible for the price you can afford.

Types of car insurance

Car insurance comes in different forms with different aspects covered. For example you can get comprehensive car insurance which covers all eventualities and offers all sorts of additional benefits such as medical assistance, roadside assistance, trauma assistance and counselling.

As with every other insurance there is always an excess to pay so make sure you are aware of the excess on your car insurance so that you are not caught short in the event of an unforeseen event.

You can also get your car insurance to only cover third party, fire and theft. This means that if you own a car with a low value, that you might not think is worth fixing if it gets damaged, you are still insured if it is stolen or if your car causes damage to another vehicle. You can not claim for damage to your own car with third party, fire and theft insurance.

Third party insurance cover

Third party only is another type of insurance you can take out. If you really believe your car is not worth recovering from theft or an accident, then have a look at third party only coverage so that you can still be insured against damage you may cause to another vehicle or someone else’s possessions.

Different companies offer different options within their car insurance so remember that, as a woman, your premiums should be lower for better coverage. Have a look at the women’s insurance policies to get the information you need to get the best insurance cover for you.
Final point  - insurance premiums should drop as car ages

Final point – as your car gets older your car insurance premiums should drop in line with the falling replacement cost. Keep your eye out to make sure this happens!