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Women drivers insurance

The majority of car insurance claims made by women are for relatively minor accidents when compared to their male counterparts. On average, women drive shorter distances, have lower mileage and often drive more cautiously than their male counterparts. That's why numerous insurance companies are emerging specifically targeting the female driver. Many car insurance companies will offer cheaper deals for women; however they still have to factor males into the pot of money they set aside for claims. Consequently, car insurance companies have started to emerge which deal only with female customers.

The advantages also apply to young female drivers with some companies offering young driver insurance to 17+ females as opposed to 19+ males, which, in turn allows young women to be fast tracked for their no claims bonus.

Why Women Car Insurance Costs Less?

In recent years there has been much discussion about the cost of women car insurance and whether car insurance companies are discriminating against men.

Women car insurance tends to be cheaper, particularly for young women, simply because female drivers are considered a lower risk by car insurance companies. This is because women have different driving habits to men.

Statistics show that although women drivers have a similar number of accidents to men, they tend to be less serious and the value of claims are much lower, this is reflected in the cost of women car insurance.

On the whole, women tend to drive more slowly, carefully and shorter distances than men, giving them less opportunity to be involved in a major accident. 

The statistics gathered by car insurance companies are backed up by Government findings that over 88% of convictions for driving offences in the UK are for men and men are found responsible for 96% of all convictions for dangerous driving.

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