Female Driver InsuranceMissCar are now able to offer female drivers insurance advice and information. Female driver car insurance quote We are neither a brokers or an insurance company, we purely offer advice from our experience. Searching for female car insurance in Google or Yahoo simply gives you a seemingly endless list of insurance compaines who claim to have the best offers for female drivers. Click on the Insurance quote menu link on the left or female drivers insurance quote here. We will then look at your needs and direct you to the insurer who we feel will be able to give you your best quote. Please post on the forums once you've chosen an insurer, giving details such as your licence type, car, cover, price and the name of the insurer or broker who you chose! This will help us at MissCar to help others in the future. Also, try MissCar Insurance Zone! There are basically 3 types of insurance cover that you can choose from:Comprehensive, which usually includes: Third Party, Fire and Theft, (TPFT) which includes Third party only, which covers Damage to others vehicles, property and injuries
Which Cover? Third party only is not a good idea for a number of reasons: - If your car is stolen you get nothing
- If it is damage by fire you get nothing
- Some insurers will actually quote more than TPFT
Third Party, Fire and Theft is usually for cars valued at less than £1500, but there can be reasons for insuring cars above this value. - It is often cheaper
- Some people are confident any accident will not be their fault.
- Comprehensive cover may simply be un-affordable.
Comprehensive cover is usually for vehicles valued over £1500, but there can be reasons for insuring cars below this value: - Sometimes the cost is only a little more than TPFT
- Maybe you want to be sure to get something if you have either a fault accident, or are hit by an uninsured driver.
- Maybe you want the extra benefits such as windscreen cover.
If you are considering Comprehensive cover on a car less than £1500, do consider: - Your excess is likely to be quite high. If your are 17 it can be as much as £600
- In the event of an accident, if you claim, you will lose not only your excess, but your no-claims-bonus, (or the earning of it in the first year) which could amount to many hundreds of pounds on next year's premium!
Specialist female driver insurance companies have increased hugely over the past few years. We do however suggest that you also try the traditional companies - you may be pleasantly surprised! Female driver car insurance companies include: Diamond - Ladybird - Sheila's Wheels What type of car insurance cover is best for me?
It’s important to think carefully about which level of cover to opt for when starting or renewing a policy. Female car insurance companies are usually fair in their advice
For young female drivers with an inexpensive first car, the cost of fully Comprehensive insurance could well be significantly higher than the value of the car. In this case it may well make sense to go for a Third Party or Third Party Fire and Theft policy which will protect any third parties in the event of an accident but leave the policyholder exposed to other costs or losses. The difference in price between the Third Party and Comprehensive quote can often exceed any potential losses anyway.
For female drivers over the age of 25 who do not have a poor driving record (through accidents or motoring offences), the cost Comprehensive insurance would normally fall considerably and therefore the difference between quotes for Third Party and Comprehensive cover should be less significant. In this situation it is generally worth opting for fully Comprehensive cover to benefit from the greatest protection.
Why do quotes vary so much between insurers?
Every female car insurer employs underwriting staff who are responsible for assessing the risk and potential cost of insuring a particular vehicle for a particular person. Each company will have a different assessment of an individual’s risk – and that’s why it’s beneficial to get insurers to compete against one another to provide the lowest quote.
The cost of female car insurance is generally calculated on the following main factors:
• Age
• No Claims Discount/Bonus
• Insurance Group (largely calculated by the likely repair costs for the car)
• Occupation
• Where the car will be parked overnight
• Value of the car
• Driving experience
• Motoring offences
There are other less obvious factors that are taken into account as well: a single male would usually attract a higher premium than if he were married. In addition, men who add a female driver on to their policy can often benefit from a reduction in price. It is well worth young female drivers adding a parent to their policy (assuming they have a clean licence and driving experience).
What benefits can I add to my policy?
There are often additional options that you can add to a policy:
• Free courtesy car – the insurance company will offer a replacement car after an accident or theft, although there is often a time limit on this
• No Claims Bonus protection – after 4 or more years without claiming, you can pay a bit more to protect your No Claims Discount so you won’t lose it in the event of a claim. Female car drivers tend to have less claims and earn their bunus more quickly
• Voluntary excess – you can choose to increase or decrease the initial excess that you will be required to pay in the event of a claim: this can have a substantial impact on the premium
• Legal protection cover – this covers you for uninsured losses in the event of an accident, such as loss of earnings, personal injury, loss or damage to personal property and insurance excesses
• Increased audio/sat nav equipment cover – if you have expensive electrical equipment in the car, the standard insurance cover may not adequately account for the cost in the event of a theft; this cover can be upgraded
• Advanced qualification / Pass Plus discount – many insurers give a discount for additional driving qualifications, especially with Pass Plus for younger drivers
• Breakdown cover – some insurers offer reduced-price breakdown cover when taking out a female driver car insurance policy
What else do I need to know about insurance policies?
It is important to be aware that motor insurance is a legal requirement and drivers face substantial penalties including a jail sentence if caught behind the wheel without adequate insurance (ie. the minimum Third Party cover).
You must carefully study the certificate of insurance and proposal form when you take out a new policy with an insurer. This firstly enables you to identify and correct any errors relating to the vehicle or driver details which could potentially leave you uninsured if not rectified and secondly identifies any situations that your insurance will not cover (such as allowing male or female drivers aged under 25 to drive the car).
It is worth noting that if your vehicle is declared a “write off” and you able to claim on your policy, the insurance company will only pay the market value for the car – which is likely to be less than you paid for the vehicle. Not only does this reflect the depreciation on the car since it was purchased, but it also takes into account that a car bought from a dealership will usually be more expensive than the trade value. There is no way to avoid this, but it is helpful to be aware of it – and insurance companies will never pay out any more than the estimated value given by the buyer when taking out the policy.
Remember, different insurers calculate drivers’ risks differently – so one company may classify a young female car driver with little experience as a far higher risk than another. Equally, one insurer may reward an experienced driver with a lower risk rating (and therefore premium) than another, so it is always well worth shopping around to get the best deal. By using the reverse auction, you can force insurers to compete against each other to offer you the best price – and ensure that you don’t spend more than you have to on your insurance!
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