There are many specialised insurance companies in the UK, most emerging in recent times, and many people are not aware of these insurance companies as they only know the traditional names in the insurance business.

However, the insurance industry is changing, and it is changing in a very interesting way. The Internet has had its own effect on this industry as well, with many online-only insurance companies rising in the market, offering all sorts of specialised insurance – some for modified cars, some for young people, and some for women only – offering cheap car insurance for women. (There are, of course, other companies that are not online-only offering such specialised insurance as well, but the fact of the matter is that online-only companies tend to be cheaper.)

It is with the latter two – insurance for young people, and cheap car insurance for women only, that this article concerns itself.

For the young and the older ladies, specialist insurance companies can often offer a fantastic deal, along with a great deal of extra perks added onto the insurance – like handbag coverage, female-friendly repair staff, 24 hour helplines, and more. In general, women can often get better premiums than men can, by far, although these added perks can help to push up the price – so women should check and make sure they need them all.

Why do women get specialised insurance?

That fact of the matter is that insurance companies aren't looking to giving the girls a break, they are just looking to take advantage of a market and get one up on the competition. And, of course, they are not wanting to take a big risk – so, insurance for women makes sense.

This is because research in recent years has shown, again and again, that women are less of a risk to insure than men. They are more cautious on the road and usually drive conservative cars. Also, they pass their driving exams the first time and make much less serious claims from insurance companies.

The clearest statistic that shows the differences here is in the realm of drink driving convictions – where 93 percent of these convictions are male, with a mere seven percent female. This is part of a much larger statistic which shows that women generally break the law less than men.

Women also don't drive on the motorway as much as men, or usually drive less overall – with the men doing the driving when they go out or go on holiday.

Car insurance for young people

Coupled with this, young women will be happy to hear that many insurance companies are now beginning to specialise in insurance for young people – offering incentives and quick no-claims bonuses to help ease the pain of high insurance costs for young people.

Statistics show that young people are a greater risk but even here the girls are much less of a risk than the guys – meaning that insurance companies offering special discounts to women and special plans to young people are a fantastic mix for young people.

Finding these insurance companies is fairly easy on the Internet, especially if price comparison websites are used. Girls should take advantage of these facts and find for themselves much cheaper car insurance – regardless of the fact that they are young.