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.

Hot Topics

What if I am a young driver?: In the UK, car insurance quotes are dependant upon several factors, these include age, gender and location. One of the overriding considerations is the age of the potential policy holder, the younger the driver the more expensive the policy in most circumstances.
What are the laws regarding Motor insurance in the United Kingdom?: Motor insurance originated in 1930, when the government introduced a law that required every person who used a vehicle on the road to have some kind of motor insurance policy. This had to be third party personal injury cover at the very least.
How can I lower my Motor insurance premiums?: Many factors influence the premiums of your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. To name a few of the important variables, the vehicle you drive, your gender and your age are all important to the insurer whilst they calculate your quote. Below we have discussed several of these key variables that are within the policyholder's control.
Who do I contact if I have a complaint against a finance house?: First you must address your original contact you dealt with, ask them for their job title and then request that the provide you with the name of the person who handles complaints. Traditionally, finance houses are required by the FSA to have a complaints procedure, and you should ask for details of this.
How to provide evidence of my No Claim Discount?: Accepted proof of the No Claim Discount would be as follows:

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.