Sheilas’ Wheels car insurance review

Sheilas' Wheels targets female drivers. If you like extras designed to appeal to women (handbag cover, anyone?), then its car insurance could be a great fit.

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Sheilas' Wheels

Cover from Sheilas’ Wheels offers either third party, fire and theft (TPFT) or comprehensive, with a courtesy car, handbag cover and a counselling service included. Given the top 5-star rating by the analysis firm Defaqto, Sheilas’ Wheels also offers optional extras such as key cover and misfuelling cover.

We’ve reviewed Sheilas’ Wheels insurance to show the types of policy and what’s covered.

Sheilas' Wheels Comprehensive

Sheilas' Wheels Car Insurance

  • Child car seat cover
  • 24/7 legal advice helpline
  • Defaqto 5-star rated

Compare Sheilas’ Wheels policies

Updated January 29th, 2020
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Sheilas' Wheels Comprehensive
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance
Sheilas' Wheels Third Party, Fire and Theft
Up to 90 days
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

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Who is Sheilas’ Wheels?

Sheilas’ Wheels was founded in 2005 by Sir Peter Wood, who also established Direct Line and esure. It was conceived as a female-centric car insurance provider after research found female motorists typically have different needs from their male counterparts. In 2010, Sheilas’ Wheels launched home insurance and travel insurance and expanded to the broker market in 2011.

Today, Sheilas’ Wheels caters to all motorists, but parents may like benefits such as family-friendly repair garages; and handbag cover is designed to appeal to women.

What are Sheilas’ Wheels levels of cover?

Sheilas’ Wheels offers just two levels of insurance: third party fire and theft or comprehensive. If you’re a new driver with a car that is perhaps not worth a whole heap of money, you’ll likely go for third party, fire and theft insurance. For some people, this may be cheaper than comprehensive, but it’s always worth checking as there are so many factors involved and comprehensive can work out cheaper.

Sheilas’ Wheels does not offer third party cover on its own.

Sheilas’ Wheels Third Party, Fire and Theft

This is the lowest level of cover available from Sheilas’ Wheels. It covers other road users if you are involved in an accident, as well as covering your own car against damage from fire or theft. With Sheilas’ Wheels, this also gets your extra perks, including in-car entertainment system cover and handbag cover.

Sheilas’ Wheels Comprehensive

This covers all that third party, fire and theft includes, as well as insuring your vehicle against accidental damage and vandalism. With Sheilas’ Wheels, this also gets you a number of perks, including a courtesy car, entertainment system cover, windscreen repair and replacement and handbag cover.

Optional extras

Sheilas’ Wheels also has a number of extras to add to your cover. Optional extras include:

  • Motor legal protection
  • Breakdown cover with RAC (within the UK and Isle of Man)
  • Personal injury benefit
  • Car hire benefit
  • Key cover
  • Misfuelling cover if you put the wrong type of fuel in your car

What’s covered under my policy?

Cover benefitsThird party, fire and theftComprehensive
Fire and theft
Handbag coverUp to £300Up to £300
Child car seat coverUp to £100Up to £100
Five years of guaranteed repair work for fire or theft claims
Accidental damage
Courtesy car cover
Windscreen cover
European car insuranceUp to 90 daysUp to 90 days
In-car entertainment coverUp to £1,000Up to £1,000
24-hour motor legal advice helpline

Check your policy carefully to ensure it covers everything you need it to cover.

General exclusions

Although Sheilas’ Wheels does give pretty solid comprehensive cover, there are a few exclusions. You will not be covered if:

  • Your car is being used for commercial travel (although Sheilas’ Wheels may be able to cover limited business use).
  • Your vehicle is being used for any purpose in connection with the motor trade.
  • You are being paid to carry goods or passengers (for example, taxis and delivery drivers).
  • Your car is being used for rallies, races, trials or competitions or off-road events.

For a full list and explanation of the exclusions, see your insurance policy.

How to save on your Sheilas’ Wheels car insurance policy

  • Pass Plus. New drivers can get a Pass Plus from the Driving Standards Agency, which will prove that you are proficient in driving at night and on motorways, and this can get you a discount on your car insurance policy.
  • Safer drivers spend less on car insurance – a history of speeding tickets or claims against your insurance will increase the cost.
  • Having a secure place to store your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Lower mileage. If you retire or swap a long commute for a shorter one, letting your insurer know about a reduction in your mileage can result in cheaper insurance.
  • Up the excess. Agreeing to a larger voluntary excess makes insurance cheaper, but this could cost you in the long run if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.
  • Check comprehensive. Because of the risk profile of customers who take out lower levels of cover, you could find that comprehensive is cheaper.

What is my excess?

A policy excess is the amount you will have to pay of the total costs incurred from the claim, and will usually be up to £350. You can volunteer to have a higher excess to get cheaper insurance or a more expensive policy can mean paying less excess, but this will all be arranged when you take out your policy.

How do I make a claim?

Sheilas’ Wheels has a claims line that you can call to make a claim: 0345 604 3570 (+44 161 862 2890 if calling from abroad). It’s open Monday – Friday, 8am – 8pm, Saturday 9am – 5pm, but is closed on Sundays. You’ll need to have your insurance details with you when you make the call.

If you require the 24-hour accident recovery service, call 0800 032 9083. If you need the 24-hour windscreen repair helpline, call 0800 032 9083.

Frequently asked questions

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