Why 1st for Women Car Insurance is a good first-stop on the road to comparison for female drivers.
No matter what type of car you drive or how fast or often you drive it, you need to have insurance cover in place to let you hit the road with confidence. Without it, collisions, fire and theft could all leave you facing significant repair or liability bills.
1st for Women Car Insurance is a specialist insurer catering to Australian women. Since 2002, 1st for Women has been offering insurance products specially tailored to meet the needs of Australian women. With policies underwritten by the financial strength of Auto & General Insurance Company Limited, 1st for Women Car Insurance offer:
- Comprehensive Car Insurance
- Third Party Car Insurance
What options are available to me?
Comprehensive Car Insurance
This is the highest level of cover available from 1st for Women Car Insurance and it provides protection when your car is damaged and when you’re at fault for causing damage to someone else’s car or property. Features of this policy option include $20 million of liability cover, the chance to choose your preferred repairer, guaranteed repairs for as long as you own the car and a 24-hour claims hotline.
This policy offers a high level of financial protection for female drivers and covers:
- The cost to repair or replace your car if it is damaged in a collision, or by storm, flood, fire, theft or vandalism
- Up to $20 million of liability cover for at-fault
- One-year new car replacement
- Trailer cover
- Emergency transport and accommodation up to $100 per day
- Personal effects cover
Third Party Car Insurance
If you’re looking for a more basic and affordable level of cover, 1st for Women Car Insurance offers its Third Party Car Insurance policy. There are two policies to choose from: Third Party Property and Third Party Fire and Theft.
- A Third Party Property policy, you’re covered when your vehicle causes damage to someone else’s car or property.
- Fire and theft option offers the same cover plus protection when your car is stolen or catches fire
- $20 million legal liability cove
- Cover for uninsured motorist damage
- Flexible payment options
- 21 day money back guarantee
Third Party Property policy from 1st for Women Car Insurance covers:
- At fault property or vehicle damage to a third party
- No-fault accident with an uninsured motorist
- $20 million legal liability cover
- Cover for uninsured motorist damage
- Flexible payment options
- 21 day money back guarantee
What are this policies exclusions?
As you’d expect, there are a range of exclusions that apply to 1st for Women Car Insurance policies. Your claim will not be paid if:
- Your car was being used by a household member not listed on your insurance certificate.
- Your car was being driven by someone specifically excluded from cover, or by any driver excluded from cover by their age.
- Your car was being driven by anyone without your consent, except in situations where you take all steps required by the relevant authority to help them prosecute the person responsible.
- Your car was being driven by someone who did not have a valid licence, was under the influence of alcohol or drugs, or refused to take a legal test for alcohol or drugs.
- Your vehicle was being used to carry passengers or goods for payment, or being hired by others.
- Your car was being used in connection with the motor trade, except to be serviced or repaired.
- Your car was being used for racing, trials or rallies.
- Your vehicle was being used for any unlawful purpose.
- Your car was being driven in an unsafe, un-roadworthy or overloaded condition.
- Your car was being used to carry flammable, toxic or corrosive materials.
- You do not go with the car when it is being shown for sale and it is stolen.
- The driver of your car did not remain at the scene of an accident when required to do so by law.
- It is for reduction in the value of the car following repair.
- It is for tyre damage caused by punctures, cuts or bursts.
- It is for consequential loss of any kind.
- It is for wear and tear, rust or corrosion.
- It is for loss, damage or liability deliberately caused by you or someone acting on your behalf.
- It is caused by an act of war or terrorism.
- It is caused as a result of cleaning, repairing or restoring the car.
- The car has been modified without the insurer’s consent.
- It results from the use of an incorrect type of fuel.
How much does 1st for Women Car Insurance cost?
There are a number of factors that influence just how much your 1st for Women Car Insurance policy will cost, including:
- How old are the people who drive your car? Younger drivers are overrepresented in crash statistics and also less experienced.
- Where do you park your car? Some suburb have lower crime rates than others, but cars that are kept garaged are seen as posing less of a risk than those left on the street.
- What type of car do you drive? High powered, expensive vehicles will obviously be more costly to insure.
- How often do you drive? If you only drive to the shops and back once a week and rarely use your car other than that, you’ll be able to pay less for cover than someone who drives 20,000 kilometres a year.
- How secure it your car? An immobiliser or alarm system on a vehicle can act as a strong deterrent to thieves and keep premium prices down.
- Do you have a clean driving history? The driving record (including accidents, infringements and claims) of yourself and other drivers will need to be taken into account.
What is the excess and what does it do?
When you make a claim, you’ll need to make a contribution towards the cost of that claim by paying an excess. The amount you will have to pay is the sum of the Basic Excess and any other Additional Excesses listed on your certificate of insurance.
However, you won’t have to pay an excess if you’re involved in a no-fault accident with someone else and the cost of your claim exceeds the basic excess amount.
How can I save on this policy?
- Compare policies from 1st for Women Car Insurance. 1st for Women offers cheaper car insurance for Aussie females because they have been statistically proven to be less likely to make a claim than men.
- Choose a lower level of cover. If you don’t think your car needs the level of cover offered by a Comprehensive policy, opt for one of the Third Party insurance options available.
- Don’t add optional extras. If you don’t think you’ll need roadside assistance from 1st for Women Car Insurance, don’t add this option to your policy.
- Restricted driver discounts. If you can restrict the drivers listed on your policy to people aged over 21, 25, 30 or even 40 years of age, you’ll save money.
- Choose a higher excess. If you pay a higher excess on your claims, you’ll receive lower premiums in return.
I've had an accident, how do I claim?
If you’ve been involved in an accident, it’s important to make sure that everyone is safe and unharmed before you do anything else. Then you can exchange details with everyone involved, take down the information of any witnesses and even take photos of the accident scene. If your car has been stolen, report the theft to the police immediately.
Once that has been taken care of, you can contact 1st for Women Car Insurance to notify them of your claim. A claim form is available through the 1st for Women Car Insurance website.
GOOD DAY,
MAY YOU PLEASE SEND ME A QUOTATION OF YOUR CAR INSURANCE
Hi MPHO,
Thanks for your question. finder.com.au is a comparison service and 1st for Women is not currently part of the panel of car insurance brands we compare. To review policies from the brands in our panel, please head to the car insurance homepage.
All the best,
Richard