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 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).
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.
Am I insured to drive someone else's car?: Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.
As a result of the accident, my car has been damaged - can I go ahead and get it repaired?: If you have taken out comprehensive car insurance cover and wish to claim under the policy, a specific claims procedure will be given to you when you contact the Claims Line to notify them of the accident. You should not repair your vehicle without the approval of your insurer.

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.