Fior Liza Camilo
Several insurance brands are aimed at women and special offers include such things as ‘handbag cover’.
Many women choose low-cost cars with cheap parts and fast repair times, reducing claims costs.
Objecting to insurers choosing the repairer and parts used or setting the write-off values bumps up the costs of claims.
Why cars are getting safer The introduction of the New Car Assessment Programme (NCAP) in 1997 and the launch of the Euro NCAP Safety Ratings are estimated to saved more than 78,000 lives. The Euro NCAP ratings systems has encouraged car manufacturers to produce safer vehicles, but when the tests were first introduced, they were controversial among carmakers.Read our full guide
We've answered common car insurance questions to help you understand what you need and to decide what car insurance is best for you.
Our guide explains the steps of buying a new car, from choosing how to finance your purchase to getting the right level of insurance for your new car.
Do you know what extras you can add on to your car insurance policy and what they include? Our guide explains common add-ons and what they cover.
Everything you need to know about car insurance excess. What are the differences between voluntary and compulsory excess and which is right for you
Find out how dash cams can save you money on your car insurance and which insurers offer discount. How dash cams benefit you in the case of a car accident.
Car insurance groups are used by insurers to set premiums. Find out what these groups are, what group your car is in and how this affects your insurance.
What is an advanced driving course? Advanced driving courses help people improve their road safety. Drivers who take an advanced driving course are taught to be more observant and better at anticipating changes. Some car insurers offer people who have taken an advanced driving course cheaper car insurance quotes. Advanced driving programmes are crash courses in not crashing. They involve learning how to drive defensively with greater awareness of the road and other road users.Read our full guide
The European Court of Justice (ECJ) made it illegal for insurance companies to take gender into account when calculating the cost of insurance (a man successfully challenged that women should not get cheaper insurance than him).
The law came into place on 21 December 2012
It made it illegal for insurers to use gender as a criteria when pricing insurance
But car insurance premiums did not rise dramatically for many female drivers (and they certainly did not drop for men). This was because the other criteria insurance companies use may mean many men still pay more for insurance.
Men tend to work in professions where more driving is required, or do more driving when not at work and insurers consider these factors more risky. In early 2020 research showed that of the nearly 15 million car insurance enquiries made, men paid £581 on average for their premiums, compared to women who paid £460 on average.
Insurance quotes are dependent on a multitude of factors such as age, area and driving history.
Women still get cheaper insurance because:
Women have fewer accidents so make fewer claims
Claims are generally for lower impact collisions, resulting in less damage and cheaper repair costs
The cars driven are often low-cost models with cheap parts and fast repair times
Fewer women drive prestige cars and insist on more expensive specialist repairers or parts
Fewer women object to insurers choosing the repairer or setting write-off values
However, a ruling made by the European Court of Justice (ECJ) made it illegal for insurance companies to take gender into account when calculating the cost of insurance (a man successfully challenged that women should not get cheaper insurance than him).
The type of car you drive
Your no claims bonus
Where you keep your car parked overnight
How many miles a year you drive
Black box insurance can help reduce your car insurance over a period of time. A small device is installed in your car that measures how fast you drive, when you brake, what time of day you drive, how quickly you accelerate and how you drive around corners. Some black boxes include an app which you can access on your phone.
If you drive safely you may be rewarded with cheaper monthly premiums.
Be older and more experienced: Women and men who are experienced drivers and have a good driving record can still get a good deal on their insurance. Drivers under 25, women and men, pay far more than drivers 25 and over. If you are not an experienced driver you can cut car insurance costs by adding a named driver who is older and more experienced to the policy.
Change the type of car you drive: Another factor is the type of car you drive, with the car’s speed, security features, and value all playing a big part – read our guide to the cheapest cars to insure to find out which cars attract the cheapest insurance premiums.
Increase your voluntary excess: Opting for a bigger voluntary excess may result in a cheaper monthly premium. But make sure you can afford any voluntary excess if you need to claim. This excess is in addition to the compulsory excess set by your insurer. This is what you will have to pay if you ever have to claim. However, you can also insure your excess, so that if your claim exceeded your excess it too would be paid.
Pay upfront: Pay for your insurance in one go if you can. Spreading the cost of your car insurance over 12 payments, monthly, may seem cheaper but remember you will be paying interest on top of the amount you pay towards your car insurance premium.
Drive less: Limiting your miles makes you less of an insurance risk. Simply because you are reducing your risk of having an accident. When you take out your car insurance policy the insurer always asks for an estimate of your maximum annual mileage. You need to try and you’re your mileage low, although you need to be realistic as to how much you will drive.
Install extra security: Having an alarm or immobiliser is considered a theft deterrent and by deterring car thieves you can reduce your car insurance. Not all insurers will offer this, so check first.
Do an advanced driving course: Some insurers will offer a discount for drivers who have completed an advanced driving course. There are several recognised providers such as the Institute of Advanced Motorists and the Royal Society for the Prevention of Accidents.
Shop around: Shopping around, aim for a month before your car insurance renewal comes up could also save you money. It may be your current car insurance is the cheapest available but because pricing changes it’s always best to stay vigilant.
Consider a multi car insurance policy: If your driveway is heaving with cars it may make more sense to try and include all those cars on one policy. Some insurers allow you to take out a single multicar policy. Reduce your insurance costs with a multi-car insurance policy.
Don’t own a car: This might sound like a drastic alternative but if you don’t always need access to a car, maybe you can borrow a friend’s or family member’s car. Many insurers offer short term and temporary car insurance which, in some cases can be taken out for just a day. Compare quotes for short-term or temporary car insurance.