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Girls Drive Better car insurance review
We've checked out Girls Drive Better car insurance, which offers telematic ("black box") and traditional policies designed for women.
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Girls Drive Better offers telematics car insurance for young, inexperienced drivers, but can also cover safe drivers or even those with a tricky driving history. Here’s what else you should know about this broker.
Who is Girls Drive Better?
Girls Drive Better is an insurance broker that sources policies specifically with girls and women in mind. It targets safe female drivers as well as female drivers with a conviction or points on their licence. It covers men, too, but the marketing is all aimed at women (who are generally considered to be safer drivers than men).
Girls Drive Better is a trading style of Policywise Ltd, which acts as an independent insurance broker in its own right.
Through Policywise Ltd, Girls Drive Better is authorised and regulated by the Financial Conduct Authority.
What are Girls Drive Better’s levels of cover?
Third party cover is the minimum level of cover that is offered by Girls Drive Better. All drivers in the UK are legally required to have at least this level of car insurance to be on the road. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. Though it won’t cover any damage to your own car. Don’t assume this is the cheapest because it offers the least protection. Check each cover level to see which offers the best value.
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
This is the highest level of cover on offer and will give the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
What types of car insurance are available?
- Learner driver insurance
- Young driver insurance
- Telematics insurance
- Convicted driver insurance
What is covered in a Girls Drive Better policy?
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| Legal expenses | ✓ | ✓ | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Girls Drive Better.
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
Girls Drive Better does offer some optional extras to provide you with more protection in certain areas. These optional extras include:
- Motor excess protection
- Personal accident cover
- Key cover
- Mis-fueling cover
- Windscreen cover
- Alloy wheel, scratch, dent and mis-fuel cover
General exclusions
Any cover arranged through Girls Drive Better is likely to become invalid if any of the following arises:
- You are paid to carry passengers.
- You fail to pay for your premium.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- Your car is used for rallies, races or competitions.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application
Check your policy for further details to confirm your cover is valid.
How to save on your car insurance policy through Girls Drive Better
- Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
- Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
- Drive carefully. Your driving and braking habits will be monitored closely through the black box fitted to your car with the Girls Drive Better telematics policy so consistent safe driving is likely to lower your premium.
- Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Girls Drive Better?
Call the Girls Drive Better UK claims line on 0161 429 4591 to make a claim. You’ll need to have your policy details and all the facts about the incident in order to make a claim.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Frequently asked questions
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