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Car Insurance for Women Guide

Do women still get cheaper car insurance than men?

Up until 2012, gender played a role in working out insurance premiums and could be priced differently for men and women. However, a law which was introduced by the European Court of Justice (ECJ) in December 2012 meant that providers couldn’t take gender into account when calculating car insurance.

Why do women pay less for car insurance?

 

Women don’t actually pay less for car insurance based on their gender anymore. Women were able to get cheaper insurance previously because the premiums were based on statistics that showed men were involved in more car accidents than woman, meaning they carried a lower risk.

After the Gender Directive was passed by the ECJ, providers can’t offer cheaper car insurance for women. There are other factors which providers use to calculate insurance premiums which are affected by differences between gender, such as car choice, but the premiums between men and women have been balanced out.

Why do some insurers market themselves to women specifically?


Although there are some providers which brand themselves as insurance companies for women, there’s nothing to stop a man being insured by these companies. Legally, providers must be open to insuring people of any gender as not doing so would count as being discriminated against.

Some providers which market themselves mainly toward women will have additional extras included in their insurance policies which are more relevant to female drivers, such as priority breakdown cover to avoid being stranded in vulnerable locations and handbag cover to insure any valuables you take with you from your car in a handbag, rucksack or otherwise.

How can women get cheaper car insurance?

 

The easiest way that women can get cheaper car insurance is through using comparing policies to tailor car insurance to their specific requirements. Comparing policies using a price comparison form for car insurance will help you find the best deal for you regardless of gender, so make sure you enter as much information as you can so you can get accurate car insurance quotes personalised to you.

Top Car Insurance FAQs:

What's the best car insurance for you?

Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda we do the shopping for you and help you compare quotes from some of the UK’s leading providers so you don’t have to.

All you need to do is pick the policy and price that’s right for you.

  • All levels of cover for your car:
  • Comprehensive
  • Third Party, Fire and Theft
  • Third Party Only
  • Social
  • Business cover
  • Black Box (Telematics)
  • Learner Driver policies
  • And much more!
How to get cheap car insurance quotes with Asda

Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.

All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.

You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.

From there you’ll need to complete some questions about the car insurance cover you want and then we do the hard work.

What happens when you compare car insurance with Asda?

When you compare car insurance, your details are run through the various car insurance providers on the panel.

Over 60 of the UK’s leading providers, including the likes of AXA, Hastings and Swinton, will return the cheapest quotes they have to offer.

You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.

At that point it’s up to you to select the quote and cover you want!

What are your levels of car insurance cover?

When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than Comprehensive, Third Party, Fire and Theft or Third Party Only.

If you want a Telematics (Black Box) policy, one that covers you for work or social only, you can still compare quotes and get covered with Asda.