WOMEN'S CAR INSURANCE

How to get cheap women's car insurance after the ECJ gender ruling takes effect

From 21 December 2012, as a result of the European Court of Justice gender ruling that prevents use of gender to calculate the car insurance premium from that date, car insurance providers will not be able to offer better deals to women based on their gender.

However, because women are safer drivers than men, they can still save money on their car insurance.

Young women drivers, aged under 25, can apply for a telematics car insurance policy to reduce their premium. 

Telematics measures driving style using a small 'smart' box placed in the engine compartment and rewards safer driving with a lower premium. Young women can expect to save up to £700 on their annual premium. Given the gender ruling, there is no other way for women to translate their safer driving into a lower premium. It is therefore essential for young women (that are able and willing to drive safely) to use telemtics to reduce their premiums after the gender ban in car insurance if they wish to reduce costs by as much as possible.

And, the more safely these young women drive, the more they will benefit from their use of telematics. (The last link is to the country's most-used telematics provider, the Co-op).

Women drivers of all ages may find it useful to review our advice on what you can do yourself to reduce the cost of car insurance as there is much that can be done to reduce costs.

Our experience on this site has been that women have tended not to favour the women car insurance specialists; so we no longer work directly with them but they are still checked by the popular price comparison sites (listed top right) that we work with here.

The 'direct' car insurance providers listed on the right (more details on them via our links at the foot of this page) have proved popular with women on this site and remain a good choice for women of over 25.

To decide exactly what you need from your women's car insurance cover and what optional features you'd like to include, you may wish to consult our buyers guide (linked on the right).

As outlined above, women can still expect to get cheaper car insurance after the ECJ gender ban / ruling, albeit no longer as a direct result of their gender.