Since December 21st 2012, by law, insurers have not been allowed to use a person’s gender as a factor in determining their car
insurance premium. This means that all insurance companies, including Allianz, must rate female and male drivers the same.
Prior to this, female drivers paid less for their car insurance because, as the statistics highlight, they have better safety records.
According to the Provisional Review of Road Crashes 2014 conducted by the Road Safety Authority (RSA) 70% of fatalities in 2014 were
However, in 2012 the European Court of Justice found that the practice of charging women less for car insurance was in breach of
gender equality. As a result gender equalisation legislation was introduced for insurance products.
Still Savings to be Made
This doesn’t mean that drivers cannot get good value for their car insurance. By shopping around for the most suitable policy and best
price there are still savings to be made.
Traditionally women drivers were rewarded because insurance companies regarded them as safer drivers. Insurance companies do
however still reward safe drivers! So if you have a clean licence with no penalty points and haven’t made a claim before – in many cases
you can still benefit from lower premiums.
Other things you can do to lower your premium are reduce your mileage or increase your policy excess (The amount you will have to
pay in the event of a claim). Purchasing your policy online will also usually entitle you money off – Allianz for example offer 15% off
new car insurance policies when you buy online (Only available in year one)*.
Not All about Price
Price shouldn’t be the only factor in deciding which car insurance policy you choose. Insurance is there to cover you for unexpected and
unforeseen circumstances. Insurers have a wide range of features and benefits to give you peace of mind and to cover you in the event
of fire, theft or an accident. Allianz offer great quality, flexible cover car insurance with a range of features and benefits such as:
Breakdown assistance: The Allianz Breakdown Assistance service is an optional cover which complements our Claims Notification
and Emergency Service. Please note that with our Emergency Service accident cover is only available as standard with our
Cover for personal effects and clothing: If you choose this optional cover we will pay you for loss of or damage to personal effects
(Items normally worn or carried by you e.g. wallets, handbags, mobile phones, jewellery, hearing aids etc.) and clothing while in or on
your car by fire or theft or by accidental means.
Courtesy Car: You are entitled to a courtesy car following an accident provided you go through Allianz Emergency Service. (Class A for
Windscreen cover: Optional windscreen cover covers all glass in the car provided the
claim is processed through our Aligned Repairer network.
No claims bonus protection: If you choose No claims bonus (NCB) protection we will not reduce your NCB unless, more than one claim
occurs in any 3 year period. Windscreen will not impact Your No Claims Bonus. If you have comprehensive cover claims in respect of
The above benefits are subject to policy conditions and exclusions. Please refer to the Car Insurance Policy Document for full details.
Get the Cover that Suits You
Although insurers no longer offer female drivers cheaper premiums than male drivers by default, by shopping around and being able to
demonstrate you are a safe driver you can still save money. Ensuring you have the right cover will give you peace of mind and could
save you money in the long run in the event of a claim.
Acceptance criteria, terms and conditions apply. All car insurance policy features listed above are available to male as well as female