The Advantages of Cheap Car Insurance for Women Drivers

In recent years many specialist insurance companies have emerged in the market that offer insurance for women drivers only. At the same time, other insurance companies have also begun to offer specialised insurance for women only.

But why, some ask? Well, the UK Home Office and a number of independent researchers have shown clear research that women are safer drivers, in general, and are also less prone to be involved in serious accidents. In 2005, the statistics showed 6529 male casualties on the road as opposed to 2962 female casualties. In 2007, the statistics showed that only seven percent of drink-driving convictions were female; meaning 93 percent of drink-driving convictions were male. These are certainly serious statistics.

There are many reasons for these statistics, however, and most of the reasons have much less to do with whether or not females are better drivers than males, and more to do with the fact that females generally don’t drive on the motorways but drive in town instead; are usually transporting the kids; don’t usually do the driving when going out or going on holiday; or are just, generally, more cautious on the road. Males spend more time on the road, in general, as well.

The kind of accidents women tend to have, with the above in mind, are usually only minor in comparison to men who, when they have an accident, they have a serious one. Also, females tend to buy more conservative cars.

Regardless of why, the fact is that insurance companies are making it much easier for women drivers – and young women, as well – to get cheaper insurance. For the ladies, this is good news, and they should take advantage of this fact as much as they can.

For-women-only insurance often comes with a list of perks that cater for women. Young women, however, should be very savvy with these perks as some of them may not be needed - such as car seat cover insurance (usually useful if you have kids). But there are a number of other perks which may be of interest, such as 24 hour emergency helplines, mobile phone locators, female-friendly repair staff, handbag cover (up to £300) or a courtesy car if yours is in repair.

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