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.


Sheilas' Wheels
We say
Finder expert rating
You say
Customer satisfaction
Customers praised helpful and efficient service.
No third party only cover available.
Sheilas' Wheels Comprehensive

Sheilas' Wheels Car Insurance

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

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

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
Sheilas' Wheels Third Party, Fire and Theft
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, Motor Legal Protection, Breakdown Cover
Get a quote
Sheilas' Wheels Comprehensive
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance, Motor Legal Protection, Breakdown Cover
Get a quote

Compare up to 4 providers

What’s covered under my policy?

Product NameSheilas' Wheels Third Party, Fire and TheftSheilas' 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
Check your policy carefully to ensure it covers everything you need it to 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 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.


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

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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