Women drivers insurance information

In addition to other membership benefits, members of FOXY Lady Drivers Club get a 12 months free motor legal accident assistance package worth £25, including female-friendly claims advice and legal expenses up to £50,000.

This women's car insurance information has been prepared for female drivers who are not members of FOXY Lady Drivers Club. Club members compare this information within FOXY Forum, in the private membership area of this website.

To avoid paying over the odds for your motor insurance cover, women drivers are advised to shop around using the main car insurance comparison websites including www.moneysupermarket.com, www.confused.com, www.gocompare.com, uswitch.com and www.tescocompare.com.

Always read the small print carefully. The latest women drivers insurance information is that many insurers are cutting back on comprehensive insurance cover which means that the likes of a courtesy car and overseas cover may be seen as optional extras by some but included in other quotes.

We have also been told of instances where protected no claims bonuses have been lost, because of new terms and conditions that have been missed.

In general women drivers qualify for lower insurance premiums because of driving statistics. Recent transport statistics confirm that young male drivers caused 94% of all recent road deaths & serious injuries, committed 94% of all dangerous driving offences and 86% of all speeding offences. Balancing things out, later in life, statistics confirm that older women drivers are more likely to have more accidents in car parks and with stationary vehicles than men, hence a rise in their premiums at that stage.

When it comes to saving money, helpful women drivers car information is to

1. Beware of big excesses designed to deter you from claiming. This means that you, not the insurer, end up carrying the risk.
2. Declare any low annual mileage. If you drive less than 7000 miles a year (check last year's mileage if you think it may be around or lower than this) as it will make sense to declare this and then enjoy a lower premium
3. Consider a multiple vehicle policy if you drive more than one car. The logic is that you can't be driving both at the same time so the risk, per car, is reduced.
4. If you have more than 4 years No Claims Bonus you may wish to pay extra to protect it and should be able to find a 70% discount deal or better.

Expensive items to avoid are speed or traffic convictions. According to Lisa McPherson, MD of Ladybird Insurance, one speed conviction can add £200 to an annual premium whereas three can add an eye-watering £400.

Finally bogus (and inflated) claims are said to be costing honest policyholders over £1.6 billion a year, adding about 5% to our premiums. If you know of an insurance claim that is dishonest, please do the rest of us a favour by reporting it to the Insurance Fraud Bureau's Cheat Line on 0800 328 2550.

FOXY Classic online membership for women drivers costs £20 per annum, plus a one-off £3 joining fee. This subscription is instantly repaid by a free legal motor assistance package (worth £25) and also includes free quarterly car fitness checks (worth £60), MOT and car servicing offers at female friendly garages and a motoring support helpdesk for practical advice and information about women's car insurance, new cars and everyday motoring bills.