While most car insurance providers offer comprehensive car insurance policies that aren’t designed for any gender, some offer car insurance policy options designed specifically with women in mind. We’ve compiled a guide to car insurance for women to help you find the most suitable type of car insurance for you.
Generally, yes – mainly due to statistics that portray male drivers at a greater risk of being at fault in accidents than women on Australian roads. Women may generally be considered safer drivers and may make fewer car insurance claims. However, this isn’t as standard as it once was for some insurance providers.
It’s hard to say what the cost of car insurance is for female drivers without completing a quote, as car insurance premiums are calculated using many different details about you, the policyholder, and your vehicle – not just your gender. Some of these include:
Because these details are different for everyone, your premiums won’t be the same as your friends, work colleagues or family members.
While the features and inclusions of car insurance policies don’t tend to differ much based on gender, some of the following features could be useful to include in your level of cover:
Yes. Regardless of whether you have a women’s specific car insurance policy or not, you’re covered as normal throughout your pregnancy unless a doctor or medical practitioner has explicitly advised you not to drive, or if you have been prescribed medication that can inhibit your ability to drive.
If you’ve had an abdominal surgery (such as a caesarean section or a hysterectomy), the recommended recovery time can be up to six weeks, and insurance companies may have exclusions or limitations on their cover during this period in accordance with medical advice.
When choosing car insurance you generally have three options.
A key aspect of most women-focused car insurance policies is the added feature of domestic cover. Most insurance providers are likely to cater to vulnerable situations and make allowances for the complications that may arise from a difficult situation at home (e.g. waiving the excess for car damages inflicted by a current or former spouse or partner where the incident has been reported to police).
Whether you’re looking for car insurance policy for yourself, your mother or your daughter, we make it easy to compare a range of car insurance options to suit. Our free comparison tool takes just minutes to use and provides you with a variety of deals, prices and features to consider.
Don’t stall now. See if you can track down better car insurance cover
Compare car insurance