Car Insurance for Women Review
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Women Only Car Insurance Offers
As competition in the UK car insurance market has become more and more competitive we have seen a number of new companies specialising in a whole host of specific areas of the market. One of the more popular areas is womans only car insurance in the UK, a market which has been growing for some time with more and more lady drivers on the road.
These new companies have produced an array of car insurance policies which contain a number of elements specifically structured for the ladies only market. While there is the traditional ladies car insurance, we have seen the introduction of factors such as handbag insurance, ladies breakdown recovery services and a ladies 24 hour emergency help line.
A recent report by the Ministry of Justice in the UK highlighted the large difference between the standard of men and woman drivers in the UK. Figures show that 82% of all speeding conviction in 2007 were committed by men and 86% of all careless driving offences were committed by men. While these figures need to be balanced by the fact that there are substantially more male driver than female drivers on the road, the percentage of motoring offences is substantially lower in the female group.
As a consequence all things being equal, it is now possible to provide female car insurance services in the UK at substantially lower rates than for their male counter-parts. This difference in premiums is even more evident in the younger end of the car insurance market, with male driver committing an even high proportion of driving offences!
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The History of women only insurance
While it is only over the last 10 years that we have seen major growth in the number of high profile woman only car insurance companies, many of the major insurers such as Norwich Union have been providing better insurance premium terms for ladies for many years. The bottom line is that any car insurance premium is calculated on the specific risk which that insurance group offers, whether this be male drivers over 60 years of age, female drivers under 30 years of age, etc. Also factored into any calculations will be the history of the driver themselves as well as he vehicle they intend to drive.
However, it has to be said that of late we have seen some real improvements in the car insurance premium rates offered to woman drivers, due to the fact that this new breed of ladies only car insurance companies are able to dictate much better terms due to the high level of business they have generated.
There had been concerns that a recent EC ruling may well have blown the woman’s car insurance market wide open to calls of discrimination, but the ruling actually strengthened the argument. While ruling that it was illegal to discriminate purely on terms of gender, it was not illegal to calculate premiums based upon the risks posed from that group of society. Panic over in the ladies car insurance market!
Women's Car Insurance Providers
While the vast majority of car insurance companies will provide policies for men and woman, the recent growth in the woman’s only car insurance market has been nothing short of startling.
When you consider that we have such high profile groups as Sheila’s Wheels car insurance (www.sheilaswheels.com) , Diamond car insurance (www.diamond.co.uk) and MoreThan car insurance (www.morethan.com) to name but a few, you can see how competitive the market place is becoming. Handbag insurance, ladies breakdown services and 24 hour help lines are fast becoming the norm in this sector as the insurance companies look to slant their offers ever more towards the needs of the ladies online UK car insurance market.
Many of these woman only car insurance companies also offer an array of other insurances services such as home insurance, travel insurance, pet insurance, life insurance and medical insurance. This may be something to do with the fact that surveys show it is the lady of the house who tends to look after the finances.