★★★★★
Finder expert rating
★★★★★
Customer satisfaction
Customers praised helpful and efficient service.
No third party only cover available.
Sheilas' Wheels Car Insurance
- Child car seat cover
- 24/7 legal advice helpline
- Defaqto 5-star rated
What's in this review?
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.
Who is Sheilas’ Wheels?
Sheilas’ Wheels was founded in 2005 by Sir Peter Wood, who also established Direct Line and esure.
Some of you may remember their early adverts, featuring Australian women with big hair and a barbie-style pink convertible. The company 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 (whether that means a mini slide in the corner or no naughty posters, we couldn’t say), and handbag cover is designed to appeal to women.
Who underwrites Sheilas’ Wheels car insurance?
Sheilas’ Wheels car insurance policies are arranged and administered by esure Services Ltd and underwritten by esure Insurance Ltd.
More details can be found in the Sheilas’ Wheels car insurance policy document on its website.
Compare Sheilas’ Wheels car insurance policies
What’s covered under my policy?
| Product Name | Sheilas' Wheels Third Party, Fire and Theft | Sheilas' Wheels Comprehensive |
|---|---|---|
| Damage to your car | ✓ | ✓ |
| Damaged windscreen and window glass | ✓ | |
| Fire and theft | ✓ | ✓ |
| Personal accident and road rage | ✓ | |
| Personal belongings | ✓ | |
| Liabilities to third parties | ✓ | ✓ |
| Using the car abroad | ✓ | ✓ |
| No claims discount | ✓ | ✓ |
| Replacement locks | ✓ | |
| Permanently fitted audio equipment | ✓ |
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 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.
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.
What is the claims process for Sheilas’ Wheels?
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.
Verdict
Gender stereotype adverts aside, the car insurance offer from Sheilas’ Wheels is a good option. If you carry an expensive bag around, the handbag cover will appeal.
The company now covers both men and women, and so is worth getting a quote from to see if they can save you money.
Frequently asked questions
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor