Women Car Insurance - A Review

A look at getting women's car insurance in the UK

An important question here is whether it's better to go direct to a women car insurance specialist or whether it's better to use a 'general' car insurance provider as found, for example, via a price comparison site. Here, we'll explore the advantages and disadvantages of each.

If we start with the women car insurance specialist, under what circumstances might this be the best choice?  Well, obviously, such policies are tailored around the needs of women. They may, for example, provide enhanced cover for theft of a handbag from the vehicle. There may be improved call out times where breakdown cover is included to improve personal safety. Even where women-related policy enhancements are not offered, such policies are often marketed on the basis that women are entitled to pay less for car insurance as they are lower risk than men.

In many cases, offering a women only car insurance policy is as much about marketing as it is any real difference between the women-only and 'general' car insurance products.

Interestingly, on our commercial sites, we have worked with all of the leading women car insurance specialists but have gradually needed to drop them all as they were not competing favourably with our price comparison systems or other 'general' direct car insurance providers.

This would suggest that in practice women are happier to go where savings can be made and are less interested in pursuing a women-only car insurance product.

If women prefer the 'general' car insurance market, what can be said about that to inform their choice of cover? Well, there is no doubt that the most popular route to obtaining car insurance in the UK nowadays is via a price comparison system. It is, however, important to carefully assess the associated cover rather than allow a low price to determine your choice. In some cases you may even need to look at the car insurer's own website to get the policy information you need.

Where you are looking for built-in quality control, going direct to a leading car insurance comapny does make sense. The price is invariably competitve, an effect of the competitive nature of the car insurance market in general. We certainly recommend going direct to a leading car insurance company as it provides quality on a budget with quality control that is harder to come by when buying via a price comparison site.

Our commercial site statisitics suggest that the supermarkets, esopecially M&S and Tesco are favourite choices among women going direct.

If you wish to check these out or compare car insurance with one form, take a look here.

If you do decide to opt for budget cover, do ensure that you are happy with the level of cover provided and that you have not allowed a low price to over-rule your better judgement. More..