Women's Car 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.

In a recession women's car insurance information is that many insurance providers are trimming cover, upping excesses and making important features optional extras even in comprehensive policies.

Car insurance premiums, which include women drivers, have risen by more than 8% in the last 12 months, to an average of £488 (Deloitte). It is reasonable to expect them to rise even further in today's uncertain economy which is a good reason to do your homework before shopping around for the best motor insurance deal for women drivers.

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

1. Use a search comparison service first.
   The main car insurance comparison websites are www.moneysupermarket.com, www.confused.com, www.gocompare.com, www.uswitch.com and www.tescocompare.com. However not all insurers are listed in all cases and you may find that a local insurance broker can identify the best ones and more; and provide a more personal service.
   
   
2. Why not give your existing insurer the chance to match or improve a better quote?
   As it will cost your existing insurance provider to win you back why not suggest they spend this money now to keep you? And there is always the concern that the new company will take the opportunity to raise their rates in year two to reclaim their initial generosity...
   
   
3. Be sure to read the small print, especially when you get your renewal invitation.
   Many insurance providers are re-writing their comprehensive policy wording and increasing the policy excess so you are less able to claim. Women's car insurance information suggests changes to windscreen cover and personal accident limits in particular. We understand that the RAC's 'comprehensive' policy does not allow their policyholder to drive another car, for example, and Tesco charges a £350 excess for any claims made by drivers aged between 21 and 24. It is no excuse to say you didn't know when you need to claim.
   
   
4. If you are a novice driver, investigate the PassPlus driving course and its content.
   One in five new drivers, including women motorists, have an accident in their first year of driving. This rises to one in three if the driver is aged 17 to 20 years. You'll be a much safer and more experienced driver if you take the Government's PassPlus test during your first year of driving as it covers important driving conditions that today's test does not, including driving on motorways, at night and in bad weather. Not only do many Local Authorities subsidise this but a growing list of insurance providers will now give you a significant discount towards your costs.

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 accident assistance package worth £25 providing professional claims advice and up to £50k legal fees. Other benefits include 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.