Girls Drive Better car insurance review

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.

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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.

• Who underwrites the car insurance from Girls Drive Better?

  Girls Drive Better works with a panel of car insurance providers, including Ageas, Aviva, AXA, LV and Markerstudy.

What are Girls Drive Better’s levels of cover?

• Third party
• Third party, fire and theft (TPFT)
• Comprehensive

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?

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:

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 0333 366 0052 or visit send a message through their website 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.

Girls Drive Better pros and cons

Our verdict

Girls Drive Better specialises in policies for women but there can be male and female named drivers on the policies. With insurance available for learner drivers, young drivers and convicted drivers plus telematics (black box) options, Girls Drive Better could offer savings for a woman looking for a more specialised car insurance policy, especially if you’re a good driver but young, and go for the black box option.

Frequently asked questions

• Do I need to have a black box fitted to my car with Girls Drive Better?

  That depends on the type of policy you have chosen. If you choose telematics car insurance, you would need to have a black box fitted to your car after taking out a policy. This must be fitted to your car within 14 days of the insurance policy starting, which Girls Drive Better will arrange. However, you’ll be permitted to drive without it until it’s fitted.

• Can I get insurance that starts immediately?

  Yes. If you wish, insurance from Girls Drive Better can start instantly.

• How long is a quote from Girls Drive Better valid for?

  A quote from Girls Drive Better is valid for 30 days however, this is subject to change due to live rate fluctuations.

• Can I pay for my car insurance in monthly instalments?

  Yes, Girls Drive Better offers policies that can be paid in full or by monthly direct debit payments.