Which type of car insurance do you require?

There are three levels of car insurance cover - third party; third party, fire and theft; and fully comprehensive. When purchasing car insurance it’s important to choose the option which will afford you the cover that you need.

The three levels of insurance cover are described below - take the time to read and understand the difference between them to make sure you select the right type of cover.

Third Party

This option offers only minimum coverage.
It covers you for:

• Injury to other people
• Damage to another person’s property or car
• Accidents caused by passengers

It does not cover you:

• If your car is stolen
• If your car is damaged in a fire
• If you damage your own car
• For medical expenses
• Loss or damage to personal possessions (which are in the car)

As this type of insurance offers only very limited cover, it is really only suitable for people who cannot afford more comprehensive cover.

Third Party, Fire & Theft
This offers the same coverage as third party, plus you are also covered in the event of a fire, or if your vehicle is stolen.

However it does not cover you :

• If you damage your own car
• For medical expenses
• Loss or damage to personal possessions (which are in the car)

This type of cover offers a happy medium for those who cannot afford fully comprehensive cover.

Fully Comprehensive (’Fully Comp’)
As the name suggests this type of insurance offers the same cover as third party, fire & theft; plus you are also covered if you damage your own car.

In addition to this you will also be covered for medical expenses, and loss or damage to personal possessions which are in your car. Please note, not all fully comp insurance policies offer precisely the same benefits. For example, in addition to the coverage outlined above, some insurers also offer fully comp customers additional benefits like courtesy cars in the event of an accident or theft. Many also offer protected no-claims bonuses.

Before taking out any policy it’s really important to thoroughly check that the policy offers exactly the cover which you require.

Summary of Cover

	Third Party	Third Party, Fire & Theft	Fully Comprehensive
Injury to others	Yes	Yes	Yes
Damage to other’s property or car	Yes	Yes	Yes
Accidents caused by passengers	Yes	Yes	Yes
Fire	No	Yes	Yes
Theft	No	Yes	Yes
Damage to your own car	No	No	Yes
Medical expenses	No	No	Yes
Loss or damage to personal possessions	No	No	Yes

A Guide To Women’s Car Insurance

Until about 10 years ago, cheap car insurance for women drivers was not a priority for most insurers’. Today, women can get some excellent deals on their motor insurance, but as with most things, you have to shop around to find the best prices.

Below is a short guide to help women find the cheapest car insurance deals.
Car insurance prices seem to be considerably lower for women than they are for men and this is especially noticed up to the age of 45. When drivers hit this age the price of their car insurance begins to level itself out.

The Facts about Car Insurance for Women
Statistics in the UK show that women are safer drivers than men and insurance premiums are partly based on these statistics. Below are some of these figures:

• Government figures show that over 92% of driving convictions in the UK are for men.
• Male drivers are responsible for 98% of all dangerous driving convictions.
• It is proven that women tend to drive more slowly, carefully and shorter distances than men.
• Even though women have the same amount of accidents a year as men, the accident is less likely to be as severe. This means that women drivers overall claims experience are a lot better than that of male drivers.

Cheaper Car Insurance for Female Drivers
All the advice given in our main car insurance guide applies as equally to women as it does men; however here are a few more tips and tricks on how to get the best and cheapest car insurance deal if you are a female driver:

• Purchase a car that has a small engine or is in a lower insurance group. To see what insurance group your car is in click here.
• If you are a new driver you should definitely consider taking out your own policy rather than being a named driver on someone else’s. Yes it will be a bit more expensive, however in the long run your insurance will be cheaper because you can build up your no claims bonus. A 1 year no claims bonus will give you a 30% discount on your premium.
• Try to avoid modifying your car. These modifications include alloy wheels, body kits, sport exhausts, engine modifications, etc. These modifications, even if really small, can increase your premium drastically.
• Adding additional security features to your car can lower your premium. Security features such as immobilisers, central locking, car alarms, etc can really help save you money.
• If you only use your car for short journeys then try and estimate what your annual mileage is because putting a cap on your mileage can get you a further discount on your premium.
• Some insurers specialise in offering car insurance for female drivers so look out for these insurers to save even more on your car insurance.
• Older drivers should avoid putting young drivers on their policy as named drivers as this will increase your premium drastically.

Cheap women's car.

flivver for women because women are what men can and can not be objective!

Why offer cheap car insurance for young female drivers.
For women drivers. "There are options to search for car insurance is on the Internet. Car insurance is convenient and good insurance for women drivers, but there are some companies that only offer cheap car insurance for women.

If you visit a site that specializes in car insurance for women, you will notice a better picture of the lush photos, events and believes the use of light and color of carnations. That is all the more attractive female customers looking for a car . Some of these women is unique - even some interesting gifts such as handbags and other girly items to the attention of more female customers.

Indeed, many have not differentiated between women only car insurance and one of the major companies and car insurance. Both offer substantial discounts and great range. What is the increase of car you have selected a personal commitment to a stable business. If you are a woman find cheap car drivers just do not forget to pay attention in all directions, offering cheap car special sites such as women and find the minimum and the best solution,

Why offer cheap car insurance for women.

Because women are more cautious rider than men.

Women as a safe driver and make much less risk. "Road than men.

"Risk" to society by K. All vehicles in the risk assessment and women are perfectly into the category of minimal risk. The car is for women.


Doc in the survey show that women drivers is a risk that is relatively low when driving than men drivers. Statistics show that women drivers are cautious and careful, they are just a few kilometers, the drive speed is quite slow down and use seat belts are less likely to tailgate or drive aggressively.

These are facts and that is why the insurance company, the car is more than happy to offer cheap car driver for women as men drivers. Female car insurance is so not only because they are women, they offer lower prices because statistics show insurance companies offer cheaper car insurance for young women drivers, not even a high risk for them than any man driver.

This is the average insurance claim for women. These developments have been more than women tend to select for a less coy car engines and lower the cost of repair. Cost of repair is more often than men by a large vehicle. When all these results into account the results of the low cost cars for women drivers.

Why give women cheaper car insurance?

Why do car insurance companies base their prices on the statistics that probably half of their customers do not even come close to?

Why give women cheaper car insurance?

Why do car insurance companies base their prices on the statistics that probably half of their customers do not even come close to?