CoverGirl deal exclusively with car insurance for women

When your car insurance premium is being calculated a variety of factors are taken into account including the driver’s age, experience, occupation, type of car, claims history and gender.

Here at CoverGirl Car Insurance Services we are most concerned with a driver’s gender because we deal exclusively with car insurance for women. This isn’t because we’re man haters, it’s simply because women are statistically less likely to be involved in a car accident and are less of a financial risk to us.

Women drivers are safe and sound
There are significant differences between the driving behaviours of men and women which affect their attitudes towards safety. Research carried out by the Social Issues Research Centre (www.sirc.org) in 2004 found that men are involved in more accidents than women for a number of reasons.

One finding was that men tend to be more directly aggressive which has a significant impact on their driving. Aggression encourages competitiveness and hostility which means the probability of being involved in a car crash is higher.

Another explanation is that men partake in irresponsible behaviour while driving and are more likely to risk take. This means they are more likely to ignore speed limits and warning signs, putting themselves at risk of crashing.

Now if men are more likely to be involved in a car accident, motor insurance firms have no choice but to increase their premiums so that the cost of their claims will be covered. At present, the cost of car insurance claims exceeds premiums by 9% so the industry is fitting the bill.

If CoverGirl dealt with male drivers we would have to fork out even more money. This would mean we couldn’t afford to be so generous with our women’s car insurance premiums and you wouldn’t see the benefits of our ultra cheap car insurance. Capice?

What does our women’s car insurance have to offer?
As well as choice of car insurance cover - third party, third party, fire and theft and comprehensive – we also have plenty of other treats in store for female drivers.

Every CoverGirl car insurance policy comes complete with reduced legal expenses insurance and free vehicle replacement hire because we want our customers to be fully prepared for all eventualities.

Some car insurance providers charge as much as £50 for legal expenses insurance but we’re just not like that, we put your needs before our own gains. We want you to have approximately £50,000 worth of legal cover in case you ever find yourself in need of making a claim for a personal injury or any uninsured losses following a car accident.

You will have free use of a replacement vehicle if yours is damaged or written off as the result of a car accident that isn’t your fault. We will extend this offer for as long as it takes your vehicle to repaired or replaced as we don’t want to see you off the road.*

We can’t bear the thought of you being stranded down some dark country lane in the middle of nowhere not knowing when help will arrive. Breaking down can be a particularly scary time, especially for women travelling alone. With breakdown cover supplied courtesy of the AA, you can make sure that help is always around the corner. Breakdown cover can be added onto your premium for as little as £42, an absolute snip for total peace of mind.

Online quotes for women’s car insurance
Now you may think that getting an online quote is going to be a big hassle and huge waste of time, well let me stop you right there. Our online quote process is set up in such as way that you will only be asked details that are absolutely necessary in order to obtain your quote.

When you receive your quote there is no pressure to jump right in. All our quotes are guaranteed for 30 days and you will be given a reference number so that you can come back any when within that time to take up a women’s car insurance premium with us.

So get an online car insurance quote at the click of a button right away; we’re confident that you won’t be disappointed.

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).