Guide to car insurance for women

Guide to car insurance for women

Women’s lives are busy enough, with many things to juggle on a daily basis, so finding five minutes to sit down with a cup of tea is hard enough, let alone making time to get a car insurance quote. With so many companies offering car insurance for women, it can take longer than you think to find reasonably-priced cover from a reliable insurer as what initially appears to be a bargain may, on closer inspection, turn out not to be.

Here are some tips to help ensure that you get the right cover, avoid paying too much and prevent getting any nasty surprises if you ever need to make a claim.

What to look for when choosing women’s car insurance

Prove you’re a safe driver

In the past, women paid less than men for their car insurance because statistically they were less likely to claim but now, following the 2012 EU Gender Directive, insurers no longer use gender as a factor when calculating premiums. Regardless of gender, you can prove you’re a safe driver by testing your skills using app-based technology. Our free Aviva Drive app monitors your driving over 200 miles and awards the safest drivers a discount off their car insurance. Safer drivers, who scored 7.1 plus on our Aviva Drive app, saved an average of £112 on their Aviva comprehensive car insurance – a saving achieved by 37% of them*.

Do your research

There’s no better way to find out what an insurance company is really like than speaking to your family and friends. Aviva share similar customer reviews from customers who’ve made a claim or bought car insurance. You can also check independent cover ratings, such as Defaqto.

Get a multi-car quote

If you’ve more than one car or van at the same address to tackle the school run and the commute to work, a multi-car policy might save your family money. You could save up to 1/3 by insuring a second vehicle with Aviva MultiCar (20% expected to achieve the maximum saving of 1/3 **) and, as each vehicle's no claim discount (NCD) is separate, if one’s involved in an accident, the other isn’t affected. Find out more in this short video.

Carefully consider your answers

When getting a car insurance quote, it’s important to answer all questions accurately - but think carefully about how you drive and when you use your car as your answers may affect your premium:

- Usage - tell your insurer if you only use your car for social journeys, such as visiting family and friends or going shopping. It means you’re less likely to drive during peak hours or on fast and busy roads, which reduces your risk of an accident.

- Mileage – if you’re only going to use your car for short trips, you can cap the mileage on your policy to reduce your premium. This means stating the maximum mileage you think you’ll drive in a year e.g. 6,000/year. If you’re not sure what your annual mileage is, look at your last MOT certificate and compare it with your current reading for an estimate.

- Parking – keeping your car on your driveway or in a garage will reduce the risk of it being stolen or damaged and could reduce your premium.

- Excess - an excess is the amount you pay towards any claim. If you increase your excess you can reduce your premium, but make sure you can afford to pay it if you ever have to make a claim. Also bear in mind that women drivers are more likely to have less expensive, low-speed prangs such as bumps in car parks or on the school run.

Hassle-free claims

Having your hectic schedule disrupted can be really inconvenient – you don’t want the school run or your commute to work delayed or to be left stranded at the roadside. While no-one likes to think about making a claim, it is why you pay for car insurance, so it’s important to make sure that the company providing it will be there if you need help.

If you have an accident, Aviva will, on average, be with you in less than 45 minutes to recover your car, yourself and any passengers – very reassuring to know, especially if you’re alone or have children with you.

It’s also important to think about whether you’d be able to manage without a car if yours was being repaired or had been written off or stolen. Check that your insurer offers a courtesy car as an option and for more information view this video.

Other things you might want to check are covered:

- Child seats - Aviva will pay up to £100 per seat following an accident, even if there’s no visible damage.

- Personal belongings – with many insurers, you’ll often get around £150 of cover for personal belongings which include items such as your handbag or coat if they’re damaged or stolen in your car.

- Breakdown cover – if you don’t have breakdown cover elsewhere, you may want to add it to your insurance policy so you have cover in the event of a breakdown en route or at home. Find out about breakdown cover in this video.

- Uninsured driver promise — with Aviva, if you’re involved in an accident with an uninsured driver and it wasn’t your fault, your no claim discount won’t be affected. (You’ll need to provide us with details of the other vehicle and driver.)

Once you know what to look for, finding the best deal for ladies’ car insurance needn’t be stressful and you can quickly tick another task off your “to do” list.


* Based on policies bought direct from Aviva between 1 August 2014 and 31 July 2015. Discount is available on first car per policy and depends on score and price - minimum £200. Discount does not apply to optional extras. Data charges may apply.

** Up to 1/3 off applied to the cheaper of the two vehicle insurance prices. Discount does not apply to optional extras. Maximum 1/3 discount available on policies with either one driver, or two drivers who are domestic partners using their vehicles only for social domestic and pleasure. 

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