Women's Car Insurance

Since Anne French became the first woman to acquire a driver’s licence in 1900, the debate has lingered; who are the better drivers, men or women?

While that argument will never be settled, here at Direct Line, we try to keep all our drivers’ car insurance premiums as low as possible – regardless of who may be better behind the wheel.

The EU’s Gender Directive means insurers can no longer take gender into consideration when calculating insurance premiums, so lower car insurance is no longer a given for women.

Why was women’s car insurance cheaper?

Insurance premiums are worked out by using statistical data. For example, data shows that younger drivers are more likely to be involved in accidents than older drivers, and so car insurance for someone who is 19 will typically be higher than someone in their 40s.

Women are statistically less likely to be involved in an accident, and when they do claim, it is usually for smaller amounts. The reasons behind this are many and not entirely clear, and they are now irrelevant when it comes to pricing insurance. This mean’s there is no longer such a thing as women-only car insurance.

How to get cheap car insurance if you’re a woman

Simply being a woman won’t lower insurance premiums, but there are a few things anyone can do to try and get a cheaper deal – male or female.

Consider your excess

As women are less likely to be involved in an accident than men, it could be worth considering raising your excess. This means that in the event of an accident you would have to pay out more, but it would lower your premium. It’s important to strike a balance though. If you had to claim could you really afford to pay out £1,000 or more? Only select an excess you know you could meet if you had to claim.

Opt for telematics

Telematics, or black box, insurance could well be the new, unofficial, women’s car insurance. Your costs will reflect your actual performance as a driver, instead of being based purely on statistics.

A black box for driving

With this kind of policy, you fit a small black box to your car and it records how you drive and feeds this back to your insurer. It takes into account things like speed and acceleration, how hard you brake, how you corner and so on. You can also keep track of your performance online, which lets you adjust your driving and can improve your premium at the renewal date.

So, drive safely and see the benefits with cheaper women’s car insurance.

Other things to address include the security features of your vehicle, where you park it and other general points that can affect the cost of your car insurance.

Benefits of our comprehensive car insurance

Our comprehensive cover has several features that you will find useful, including:

  • Cover up to £250 if your handbag is stolen from your car (cover under personal belongings section. Some exclusions apply to contents).
  • A 24 hour accident recovery helpline.
  • Rewards for safe driving with a No Claim Discount - the safer you drive the bigger the reward.
  • If we can’t fix your damaged car in seven days, we’ll pay you £10 a day, until the job is done, up to £70. Applies to Direct Line customers using our approved repairers loaded on our garage system, and doesn’t include public holidays. Available in mainland Great Britain, except Inverness and remote areas of Scotland. Excludes write offs and windscreen claims. £10 payment starts on day eight and is limited to £70. To meet our high quality and safety standards some repairs will take longer.
  • We also cover any permanently fitted in-car audio, TV, telephone or navigation equipment. If fitted as part of the car's standard equipment, then the cover is unlimited. Cover limits up to £1,000 - this limit only applies to non-standard fitment.

So whether you need to insure your car for the school run, an arduous daily commute or a charity road trip from Land’s End to John o’Groats, give a member of our team a call today on 0345 246 3761, and we’ll help find the right cover for you.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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