Special car insurance for women: can insurers respond?
Can insurers offer special car insurance for women because they drive more safely? Actually, the answer does not matter. Insurers are not allowed to differentiate premiums based on gender, and they do not. There are special car insurances for women, but men can also take out these policies. And for the same premium.
Statistically, it has been shown that women drive more safely. But they do cause more car damage. Expressed in euros, the cost of claims for men is higher. In euro terms, men have a higher claim burden, which means that, at the end of the day, insurers have to pay more for damage caused by men. These are data that insurers cannot use, because a premium differentiation based on gender is not allowed by Brussels. However, it is allowed to differentiate on the basis of where you live and your age.
Ask about special car insurance for women
Onna Onna and Zijrijdtbeter.nl are two insurers whose car insurance policies are aimed at female drivers. They make their car insurances interesting for this target group by adjusting the insurances to the wishes of women. For example, they offer insurance for a stolen handbag from the car and free replacement of light bulbs and tyre pressure checks. The car insurances suggest a premium advantage for women, but the advantage is only in the additional coverages. The additional covers are interesting for some women, others will find it rather denigrating. Meanwhile Onna Onna and Zijrijdtbeter.nl have stopped.
Is women's car insurance clever marketing?
The advantages of women's insurance over the average car insurance are few. It is made attractive by the illusion that as a woman you are cheaper. The insurers who target women are successful, so they are doing something right. Appealing to a target group in this way is just clever marketing.
Compare several insurers
When insuring your car, you want the best coverage and service at the lowest premium. Online you can easily compare dozens of car insurances at once. In the first instance, this is done on the basis of the premium, but you also get an insight into the coverage in the car insurance and the quality of the insurer. It is better to compare dozens of insurers than to focus on insurers who suggest they are there especially for you. When comparing them, you can also choose the car insurance that best suits your insurance needs.
Are you considering a car insurance with one of the insurers aimed at women? First compare the premium with the premium charged by other insurers. It is likely that you will be better off with an insurer who does not focus on a specific target group.
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