Useful Information about Insurance
Women drivers including Club members can register for an insurance quote here. We will contact you at renewal time to compete with your best quote then.
- If you are paying less than £200 a year for comprehensive insurance cover, congratulations! You are unlikely to be under 25 and are doing very well.
- If you are under 25, regardless of gender, you will probably save money buying black box insurance, providing you are prepared to drive within speed limits, sometimes restricted to daylight hours, smoothly and with evident consideration for others.
- If you are between 30 and 60 years and are being sold a black box insurance policy you may want to think again. Until black boxes are compulsory, or one is already fitted in your car, you have to pay a minimum of £100 extra for a black box fitted/monitored simply to prove the fact that you are a safe driver. And chances are your insurer knows this already from your past claims record. As we see it, not everyone benefits from black box technology (other than the rich telematic companies, that is).
Car insurance buying advice for women
- If you are a novice driver we strongly recommend the Pass Plus training course. Yes it means more lessons but it’ll make you a better/safer driver and many insurers will give you a significant discount.
- Similarly if you are a nervous motorist or one returning to driving after bereavement, divorce, an accident or road rage incident we recommend the IAM’s Skill For Life programme. FOXY Club members get a discount and this will likely be reflected in any FOXY Lady Insurance premium.
- Do your homework first. Know your car details, any no claims bonus (NCB) entitlement, your (and any partner’s) driving record and any speeding points.
- Consider multiple vehicle cover for all family cars/drivers. One policy SHOULD be cheaper than the cost of many policies but always check that you COULD unpick this and claim your accrued no claims bonus, should you need to do this in future.
- Tell the insurer your likely annual mileage – if low, this SHOULD reduce the premium.
- Ask what their maximum no claims bonus (NCB) is. If you’re entitled to the maximum (c4 years no claims history) and it’s less than 70% NCB there may well be a better deal out there.
- Never lie or cover up anything. Similarly economic forgetfulness is no excuse in law and COULD invalidate your insurance when you need it most.
- If you are cutting back on cover to save money, be sure you know precisely what that means. Third Party covers anyone or anything you hit but not your car. Third Party Fire and Theft is the same but adds protection against fire or theft of your vehicle. Comprehensive cover gives you all this AND vehicle protection, even if you cause the damage yourself. There is often very little difference between these cover levels so we always recommend comprehensive cover as you get so much more peace of mind.
- Always read the small print; sometimes the cover is so restrictive it may never pay out! Be on the look out for high excesses – it may be reasonable to have to pay the first £250 of any claim but think twice if this is £500+ as some are now – this COULD be more of a gamble than an insurance policy!
- Before choosing the lowest rate regardless, ask about any special features that might be included, or available at a fraction of the retail cost. For example, the likes of lost key cover, legal expenses, breakdown cover, a protected no claims bonus or even an accident/camera kit for your glovebox (in case your phone battery is low should you have an accident) are all low cost extras and can be good for your peace of mind.
- If you prefer to pay monthly, many insurers will offer this on a direct debit basis; it’ll be more expensive in total of course.
- Bogus (and inflated) insurance claims are costing honest motorists c£30 each a year. If you know of an insurance claim that isn’t genuine please report it to the Insurance Fraud Bureau’s Cheat Line on 0800 328 2550. It’s the right thing to do and it’s confidential…