Cheap Car Insurance For Women
Above, are in my opinion the very best car insurance companies in the UK. They have excellent reputations and offer benefits galore. After a lot of hard work I have found the above companies offer the best prices, benefits and quality of service for UK car insurance today. They currently have some very special deals. Simply click on the images to deal directly with them.
I revise this page constantly to give you up to date information on the latest deals. Cheap car insurance for women is updated every day.
Car Insurance For Women
Insurance has become very expensive in recent years. In fact it has almost doubled. Now more than ever it is important to shop around for deals. Getting a good deal could save you hundreds if not thousands of pounds over the years. Just think a £100 a month saving is £1,200 a year. Over 5 years that's £6,000! That's enough to buy another car or upgrade your existing one.
The car insurance companies with the lowest prices are not always the best. You must consider all the options. It's not just about low costs it is also about benefits.
Will you get a courtesy car? Just think how helpful that would be if your car is going to take 2 or 3 days to fix. Taking the kids to school, shopping etc will all be difficult to arrange without a car to use for a few days.
Are your personal belongings in your car insured? Shopping you might have had in the boot or perhaps a child's car seat. Satellite navigation systems are the most stolen items from a car. Many items are expensive to replace so having cover that includes such things is very helpful.
As you can see these "Extra Benefits" make all the difference. John Lewis even cover you if you make a mistake fueling your car. It's easy to put diesel in when it should have been standard petrol and vice versa. It's all about peace of mind.
Another thing to check for is "Legal Protection". If you have an accident and have to go to court this will cover all your legal costs up to £50,000 (some insurers go up to £100,000). Being involved in an accident is unfortunate but sometimes you end up in court due to disputes that may or may not be your fault. With legal protection you also get a 24 hour expert help service. Just imagine how beneficial that could be.
Womens Car Insurance
A new ruling by the European Court Of Justice means that from the 21st December 2012 insurance companies will no longer be able to use gender as a way of assessing risk. When the new ruling from the European court comes into effect female car insurance premiums will go up. Women drivers are statistically less likely to have an accident than men and their claims are normally lower. That is why insurers have rewarded female motorists with lower premiums. Unfortunately that is about to change.
It is expected that the new law probably won't affect over the over 25's so much but the under 25's are expected to be hit hard.
Women under 25 could see a 25% increase in rates. For women over 25 it should be much less. Men under 25 could see a 10% decrease. For women over 30 it will decrease again. For women over 40 the cost increase will not rise much. Women over 50 will probably be least affected.
At the moment the average woman driver under the age of 22 pays about £1,680 for car insurance while a 22 year old man is charged an average of £2,750. The reason for this is young men are 10 times more likely to have a serious accident and 25 times more likely to commit driving offences.
Reducing Car Insurance Costs
There are a many ways to reduce your car insurance premiums.
You can opt for a larger "Excess". The excess is the first part of the claim that you will be liable to pay. Increasing this will reduce your monthly premiums.
Another way is to restrict the number of drivers on your policy.
You can also drive less. When taking out car insurance you can mention that you only do a limited number of miles every year.
Keeping your car in a garage is a very good way to cut your insurance bill. Inform your insurer that you garage your vehicle. So clear out the garage and make space for your car!
Do not use something called "Fronting". Fronting is when you are not the main driver but put yourself down as the main driver so that the person you add to the policy can have reduced premiums. This is illegal! For example, if your daughter is the main driver but you put yourself on the policy as the main driver and your daughter as a secondary driver. Do not do this as you can land yourself in trouble.
Young drivers can take the "Pass Plus" examination. This will give them a discount. The pass plus scheme is designed to help improve new drivers skills. You have to find an "Approved Driving Instructor" (ADI). There are 6 modules to complete based on different driving conditions. The course takes a minimum of 6 hours to finish. Some local authorities will help you with your pass plus fees.
Don't make insignificant claims. If you have a small scratch or dent, check to see if you can repair it cheaply yourself. Why lose your no claims bonus over a small claim?
Recent News
A new law from June 2011 will force motorists to have "Continuous Car Insurance Enforcement". This means that your vehicle must be insured all the time unless you inform DVLA and complete a V14 form.
The reason for this new law is that many drivers don't have insurance and this increases the cost of cover for everyone. If your car is parked off road for an extended period and you have decided to cancel the insurance you must inform DVLA. They will send you a reminder. If you don't inform DVLA then you will be fined. You may also receive a criminal record. Remember even if your car is parked in your drive you cannot let your insurance lapse without informing DVLA. So please be careful!
Always read your policy documents carefully.
I hope I have helped you!
Please contact me if you need any advice. I am always happy to help and hear your comments.
