Is car insurance women best obtained from 'general'
motor insurers?
Note: As of 21
Dec 2012, gender cannot contribute to the calculation of premiums.
If getting a low price for car
insurance women is your main aim, then, probably, yes.
If you want to buy women's
car insurance right now, we would
recommend going to our article on women's
car insurance in our
'Buyers Guide' section that offers
the most useful advice on this.
On this website, we used to promote several well-known women-only car
insurers but, one by one, they were dropped as sales were poor. They
simply couldn't compete on price, with which UK drivers are somewhat
obsessed, when it comes to arranging car insurance.
The other services here, notably the price comparison systems, were
simply cheaper. The policies offered by these women-only providers were
not 'no frills' policies - they tried to, and did, offer policies
tailored to the needs of women and, as you pay for what you get, they
did not beat the bargain basement policies that top the rankings on
price comparison sites.
In some ways, this is regretable as excellent products - which were
competitively priced for what you were getting - were passed over for
their bargain basement poorer cousins. However, the market decides what
services we can continue to offer and we dropped our last car insurance
women provider recently.
By way of balance, however, it is possible to put forward the argument
that car insurance women products are largely a marketing technique and
that such policies are ostensibly no different to mainstream car
insurance policies other than with regard to a few minor cosmetic
differences.
Indeed, this argument does have some validity and it is undoubtedly a
pertinent reason as to why women-only insurers tend not to easily
out-compete price comparison services when female drivers select their
cover.
Having said all that, our site statistics here would suggest that those
searching for car insurance women quotes will often go to
non-female-specific direct insurance companies, especially M&S (to
which we link below). It would appear that women are more likely to
factor-in quality cover to the mix and so are more inclined to go
direct to quality car insurance
companies than men who favour bargain basement prices.
In conclusion, we would point out that getting car insurance women
quotes
from a women specialist has never been a popular choice here.
But, where low cost cover is your mantra, we would advise using a price
comparison service to compare quotes in order for you to select the
cheapest. Also, M&S, our top-selling direct insurer presents an
alternative, quality choice here, which remains ever-popular with women
drivers.
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