Female Car Insurance

"What do I need to know about Female Car Insurance?"

I have always been a named driver on my partner’s car insurance policy, will I still be eligible for No Claims Bonus?

As competition in the female car insurance market hots up, more and more companies are willing to take claim-free years as a named driver into account. Again, shop around and ask about introductory offers, car insurance companies are keen to win new customers, especially if they are low risk drivers.

Can I put my male partner/son down on my policy as a named driver?

Normally, this isn’t a problem. But some car insurance policies for female drivers specify that they cover only women drivers. Always ask this question before committing yourself to a particular female car insurance policy.

Is it fair that men should be penalised just for being men when it comes to car insurance?

No. Just as it would be wrong to adjust car insurance premiums on the basis of creed, colour or religion, so too is discrimination on the grounds of gender. Whether it is appropriate to continue using gender as a yardstick when analysing car insurance claims remains to be seen.

After a ruling in the European Court , car insurance companies can, for now, offer discounted car insurance for female drivers. However, this may be subject to change in future.  

I have just passed my driving test, how can I reduce my car insurance costs?

An increasingly popular route is to continue your driving education by sitting – and passing – the new Pass Plus driving certificate. Pass Plus is a series of extra driving lessons covering motorway and night driving. In most circumstances, a car insurer will consider a discount for a successful Pass Plus driver.  

Is it worthwhile passing the Institute of Advanced Motoring(IAM) certificate to cut my car insurance premium?

Yes, but the size of the reduction depends on your age too. The biggest impact on car insurance costs will be witnessed by younger, inexperienced drivers.