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Archive for the ‘Women's Car Insurance’ Category

Just how ‘much safer’ are women drivers?

Wednesday, March 10th, 2010

It has been statistically proven in recent years that women are considerably less likely to be in a driving accident than men. A leading Insurance company has just released figures showing that women are also 150% less likely to have a driving conviction.

It has also been revealed that 18% of all British motorists have incurred at least one driving conviction. 4% were found to have been hit with more than one. The proportion of drivers breaking the law has reportedly risen 4% over the last decade.

However, it is debatable whether British drivers have become more unsafe. CCTV has given the police significantly greater powers of surveillance and those law breaking drivers who may once have slipped through the net are now being caught. There are thought to be more of these cameras per person in Britain than in any other nation in the world.

85% of total convictions are for speeding offences. This is far in excess of the 9% that are for jumping traffic lights. Drink driving offences account for a further 2%. Men are twice as likely as women to take the risk of driving under the influence of alcohol.

Young drivers are the most likely group to act irresponsibly on Britain’s roads. Nearly 25% of men aged 25-34 have incurred at least one motoring conviction. Men in the 25 to 34 and 35 to 44 age brackets are equally likely to have two or more convictions.

There are significant regional differences in the likelihood of drivers incurring a conviction. Just 9% of men and 6% of women in Northern Ireland had a driving conviction against their name. Drivers in the Midlands are apparently far more likely to break the law. The figures are 31.5% of men and 16.6% of women in this area.

Women have, however, grown increasingly likely to have committed a motoring offence in recent years. 15% of all British women currently have a conviction against their name. This figure has risen 4% over the last decade. This still puts them 5% behind the total amount of men who have a conviction.

One potential reason that men are convicted more often than women is that men drive 20% further than their female counterparts, according to the latest Department for Transport statistics. It seems almost as likely that women will be found breaking the law as men.

The closing gap between men and women committing motoring offences is reflected in the costs of motor insurance premiums. Although young male drivers have to pay out about twice as much as young females, premiums are still becoming increasingly expensive for women.

Simon Douglas, Director of the insurance group, said, ‘in 2003, the point at which premiums for both sexes became similar was at about age 60, now it’s between 45 and 50. This is because more women are becoming car owners, they are driving more often and further and are thus more likely to be involved in accidents - as well as commit driving offences’.

‘But whatever your age or sex, insurers take notice of driving offences, especially multiple offenders and this is reflected in premiums. That’s because regular offenders are much more likely to make an insurance claim than those who have a clean license’. ‘Keeping the right side of the law is one of the best ways to keep your insurance premiums in check’.

Tags: Car Insurance
Posted in Car Insurance, Women's Car Insurance | No Comments »

A Guide To Women’s Car Insurance

Thursday, May 28th, 2009

Until about 10 years ago, cheap car insurance for women drivers was not a priority for most insurers’. Today, women can get some excellent deals on their motor insurance, but as with most things, you have to shop around to find the best prices.

Below is a short guide to help women find the cheapest car insurance deals.
Car insurance prices seem to be considerably lower for women than they are for men and this is especially noticed up to the age of 45. When drivers hit this age the price of their car insurance begins to level itself out.

The Facts about Car Insurance for Women
Statistics in the UK show that women are safer drivers than men and insurance premiums are partly based on these statistics. Below are some of these figures:

  • Government figures show that over 92% of driving convictions in the UK are for men.
  • Male drivers are responsible for 98% of all dangerous driving convictions.
  • It is proven that women tend to drive more slowly, carefully and shorter distances than men.
  • Even though women have the same amount of accidents a year as men, the accident is less likely to be as severe. This means that women drivers overall claims experience are a lot better than that of male drivers.

Cheaper Car Insurance for Female Drivers
All the advice given in our main car insurance guide applies as equally to women as it does men; however here are a few more tips and tricks on how to get the best and cheapest car insurance deal if you are a female driver:

  • Purchase a car that has a small engine or is in a lower insurance group. To see what insurance group your car is in click here.
  • If you are a new driver you should definitely consider taking out your own policy rather than being a named driver on someone else’s. Yes it will be a bit more expensive, however in the long run your insurance will be cheaper because you can build up your no claims bonus. A 1 year no claims bonus will give you a 30% discount on your premium.
  • Try to avoid modifying your car. These modifications include alloy wheels, body kits, sport exhausts, engine modifications, etc. These modifications, even if really small, can increase your premium drastically.
  • Adding additional security features to your car can lower your premium. Security features such as immobilisers, central locking, car alarms, etc can really help save you money.
  • If you only use your car for short journeys then try and estimate what your annual mileage is because putting a cap on your mileage can get you a further discount on your premium.
  • Some insurers specialise in offering car insurance for female drivers so look out for these insurers to save even more on your car insurance.
  • Older drivers should avoid putting young drivers on their policy as named drivers as this will increase your premium drastically.

Tags: Budgeting, Car, Car Insurance, Car Insurance Application, Car Insurance Claims, Cheap
Posted in Car Insurance, Women's Car Insurance | No Comments »

Which type of car insurance do you require?

Thursday, May 28th, 2009

There are three levels of car insurance cover - third party; third party, fire and theft; and fully comprehensive. When purchasing car insurance it’s important to choose the option which will afford you the cover that you need.

The three levels of insurance cover are described below - take the time to read and understand the difference between them to make sure you select the right type of cover.

Third Party

This option offers only minimum coverage.
It covers you for:

  • Injury to other people
  • Damage to another person’s property or car
  • Accidents caused by passengers

It does not cover you:

  • If your car is stolen
  • If your car is damaged in a fire
  • If you damage your own car
  • For medical expenses
  • Loss or damage to personal possessions (which are in the car)

As this type of insurance offers only very limited cover, it is really only suitable for people who cannot afford more comprehensive cover.

Third Party, Fire & Theft
This offers the same coverage as third party, plus you are also covered in the event of a fire, or if your vehicle is stolen.

However it does not cover you :

  • If you damage your own car
  • For medical expenses
  • Loss or damage to personal possessions (which are in the car)

This type of cover offers a happy medium for those who cannot afford fully comprehensive cover.

Fully Comprehensive (’Fully Comp’)
As the name suggests this type of insurance offers the same cover as third party, fire & theft; plus you are also covered if you damage your own car.

In addition to this you will also be covered for medical expenses, and loss or damage to personal possessions which are in your car. Please note, not all fully comp insurance policies offer precisely the same benefits. For example, in addition to the coverage outlined above, some insurers also offer fully comp customers additional benefits like courtesy cars in the event of an accident or theft. Many also offer protected no-claims bonuses.

Before taking out any policy it’s really important to thoroughly check that the policy offers exactly the cover which you require.

Summary of Cover

Third Party Third Party, Fire & Theft Fully Comprehensive
Injury to others Yes Yes Yes
Damage to other’s property or car Yes Yes Yes
Accidents caused by passengers Yes Yes Yes
Fire No Yes Yes
Theft No Yes Yes
Damage to your own car No No Yes
Medical expenses No No Yes
Loss or damage to personal possessions No No Yes

Tags: Accidents, Car Damage, Car Insurance, Car Insurance Summary, Personal Possessions, Third Party, Third Party Fire and Theft
Posted in Car Insurance, Women's Car Insurance, Young Drivers Car Insurance | No Comments »

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