Why do some Motor insurers specialise in just lady drivers?

Every Motor Insurance company is different, each have specific market niches that they try and specialise in, some choose mature drivers, some lady drivers and some young drivers. They all different priorities, and marketing strategies which aim to maximise the number of applicants within the market they have chosen to specialise in. Some of the largest more generic motor insurance providers will try and provide a good level of coverage through out the whole market offering competitive premiums to most Motor drivers, examples of these are Tesco’s and Admiral.

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What is Third party fire and theft Motor insurance?: Whilst technically your legal requirements for motor insurance are covered by a third party only policy they only protect the people with whom you share the roads, not yourself. The law requires that people who are involved in an accident that is not caused by themselves, be compensated. So, with third party insurance you may be protected against other people's claims against you, but not if you are responsible for the accident.
What is a Comprehensive Motor Insurance policy cover?: Comprehensive cover is when you cover your vehicle against most forms of damage that may occur to your vehicle. This doesn't mean you are covered for absolutely everything. If you look in depth into your comprehensive car insurance contract you'll probably find some significant exclusions.
What Do I need to do if using my Car abroad?: No matter where you go in Europe, be it Ireland, Wales, Scotland or the mainland, you are covered for at least the minimum level legally required in that country with your UK motor insurance policy.
What are the road tax rates by specific type of vehicle?: The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.
Who should I contact should I wish to report a problem with an Insurance Company?: The general insurance industry is now regulated by the Financial Services Authority (FSA).

Women represent a lower risk to the insurer than a male would at a like age. This is not to say that they don’t have any accidents, they do around the same number, but that each accident, on average, causes less damage that needs to be repaired. This in turn means that to insurance companies a woman driver represents a greatly reduced risk.

The reason that women's claims are so much cheaper than men’s is because they have less serious accidents. Women have been proven to drive differently than men do. They tend to take fewer risks, don't drive as fast, and are less likely to be showing off to their mates with fancy driving manoeuvres.
Those companies that specialise only on woman drivers are traditionally very competitive, in order to get the best possible quote you should try a selection of differing insurance providers including several ‘woman only’ insurers.