Long has it been known that, contrary to popular belief, women drivers are much better behind the wheel than men. It is a fact that has been proved by extensive research and statistical analysis. They make fewer claims because they have fewer accidents. However, women have still had to pay the sane premiums as men in the years gone by. They do not have to any longer because womens car insurance is now widely available.
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 not much different from regular car insurance policies by its very nature. You can choose from the same three options ? third party, third party fire and theft, and comprehensive. You can actually choose the level of cover you want as normal with the one major difference being that it is generally much cheaper.
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 just one lady of the many that have saved money. Women everywhere could save such amounts by switching to womens car insurance. The initial saving is huge but you may also have a further discount on top of that if you choose to get a quote and then take the policy out online.
Do not just look at the price of premiums before taking out a policy though. Some policies that are designed for women tend to have a lot of extras that conventional policies do not have. For example, they may have handbag cover just in case your handbag is stolen from your car. Although the level of this element of cover does vary from provider to provider, it tends to be around 750 pounds.
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.
All in all, womens car insurance offers a great deal for women drivers. Not only can it save you a lot of money but can also give you features that would not come as standard in any other policy.
