Women’s car insurance

Do women pay less for car insurance?

No, it has been illegal for insurers to consider gender when calculating premiums since 2012. 

The Gender Directive was passed by the European Court of Justice ten years ago, meaning gender will have no effect on the cost of a customer’s insurance. 

Prior to this, women were routinely charged less for their car insurance because they were involved in less incidents statistically. 

There are a number of different factors that insurers look at when figuring out how much to charge for insurance. Although this no longer includes gender, things like car choice, career and driving offences are considered. 

This could result in men paying more than women because they’re more likely to have modified vehicles, points on their driving licence and jobs that are perceived as riskier by insurers. 

However, they won’t automatically be charged more because they’re male.

£4 million refunded to customers with free excess cover^{^^}

If you need to claim, we’ll pay £250 towards your excess^{^}. Just another reason to make your life choices on Go.Compare.