An overview of women's motor
insurance
A
key question here is: should you go to a women-only specialist for
women's motor insurance or just buy from a 'general' car insurance
provider?
Well, when you look at the policies provided by women's car insurance
providers, they generally do have features that may be attractive to
women, for example, enhanced safety via reduced call out times if
broken down, or improved cover for loss of a handbag or other goods
from the car.
However, any additional features can increase the premium which, in
practice, renders these specialist policies of no interest to women.
This assertion is based on our own experience of offering women's motor
insurance on our own commercial websites.
Indeed, we've worked with all the major UK women's motor insurance
providers but have had to drop them all owing to lack of uptake by our
site users. It seems the appeal of price comparison systems or other
direct car insurance providers has outweighed any of the potential
benefits of using a women's motor insurance company.
It has to be said, of course, that much of the women-only
specialisation undertaken by insurance companies is simply a marketing
technique to attract extra business by targeting a sizeable market
niche where there is less competition than the general insurance market.
If the women's motor insurance specialists are not being used, what's
the best alternative for women drivers? Well, where you're expecting a
high premium, a price comparison site is the best choice. Those that
can expect a high premium include drivers under the age of 25, new
drivers in general, those without a no claims discount, those with high
insurance group cars and those with previous driving convictions.
Because these people need to be pragmatic in their choice of cover,
this steers them towards 'no frills' kinds of policies, that is, the
kind of keenly-priced quotes found easily on a price comparison site.
For just about everyone else, however, a price comparison site is not
the best first choice. This is because it pays to get reasonable cover
as standard and the best way to do this is to go direct to top UK car
insurance providers rather than relying on a price comparison site that
places too much emphasis on price and not enough on the cover
associated with the policies presented.
Any standard insurance
supermarket puts you
quickly in
touch with these providers where it will be seen that, contrary to
popular belief, close pricing frees you up to choose on the basis of
cover given that market forces ensure that you will not pay more than
you need to.
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