Ladies Motor Insurance Buyer’s Guide
Buyers Guide-Ladies car insurance
Car insurance companies now offer specific deals aimed directly at women drivers. Insurance policies are based on risk, and it is shown statistically that women drivers are a lower risk than their male counterparts.The greater use men make of cars may be one reason why they are more likely than women to be a casualty in a road traffic accident. In 2001 the annual casualty rate (those killed, or seriously or slightly injured) was over 44 per cent higher for men than women.
Men are more than twice as likely as women to be killed or seriously injured in a road accident: 99 per 100,000 men in 2001, compared with 44 per 100,000 women. The rates are higher for men irrespective of the mode of transport they are using.
(Sources: National Travel Survey, 1999-2001, Department for Transport; Road Casualties Great Britain 2002, Department for Transport)
Lady drivers tend to drive more slowly, carefully and shorter distances than men, giving them less opportunity to be involved in a major accident.
- On average women driver shorter distances
- Women tend to drive more carefully
- Men tend to drive faster and more recklessly
- Men make more expensive insurance claims than women
- Women’s accidents tend to be minor compared to men
Other factors that are taken into account when working out the quote for Ladies Car Insurance are:
- Who will drive the car, e.g. named driver
- The type of car you will be driving, e.g. Size of engine, Tax Band (read our Buyers Guide to Tax Bands for further information)
- Where the car is kept, e.g. Kept in a garage
- What the car will be used for, e.g. short distance, low mileage driving
- The type of cover you need, e.g. Comprehensive
A women drivers no claims can also reduce your Car insurance quote.
To build up your no claims bonus, women should think about insuring your car in your own name. The first year will be counted as Year 0 and you will receive no discount. For every year after you are insured your level of discount will rise to between 30% for one free year claim up to 65% discount after 5 years no claim period.
Ready to choose an insurer? Visit our Ladies Insurance table.