Car Insurance for over 50 Female

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Car Insurance for over 50 Female

At first we tell you that here in this article ‘over 50 female’ means, we dices here car insurance policy for 50 years old lady or above. As long as you hit 50, you have a lot of experience behind the wheel. The insurance provider recognizes this and it is one of the main reasons why car insurance premiums are available for less than 50 people. But cover is not cheap in any way, so we have created a simple guide to help you deduct the cost of your car insurance.

Compare car Insurance for over 50 Female

Company Name

Cover Type

Annual Price

Monthly Price

Know More

Quote me Happy.com Over 50 Female £1548.04 £145.66 Know More
General Accident Over 50 Female £1593.56 £149.94 Know More
Privillege Car Insurance Over 50 Female £1732.64 £161.69 Know More
Churchill Legal Car Insurance Over 50 Female £1749.44 £163.20 Know More
Acorn Car Insurance Over 50 Female £1986.64 £194.64 Know More
City Car Insurance Over 50 Female £2233.43 £231.58 Know More
InsueWisre Over 50 Female £2295.37 £244.84 Know More
NCI Insurance Over 50 Female £2301.08 £208.69 Know More
Wiser Platinum Over 50 Female £2341.05 £249.71 Know More
Cover Box(Black Box Policy) Over 50 Female £2583.56 £206.62 Know More

 

Features:

  • Excess is the first amount payable when any claim is made – windscreen-only claims have a different excess amount.
  • Legal cover could assist you in recovering certain uninsured losses not covered by your own insurance policy, as a result of an accident that wasn’t your fault.
  • A courtesy car is usually provided for the duration of repair when making a claim.
  • Breakdown cover will cover your vehicle for mechanical failure but levels of cover will vary between insurers.
  • Windscreen cover provides cover for all damage sustained to your vehicle windscreen. An excess may apply.
  • Defaqto is an independent research company who assesses the quality of financial products.

Useful reference to check best car insurance deals and to compare providers.

Features Explanation in Policy

 

Legal Cover:

Legal cover could assist you in recovering certain uninsured losses not covered by your own insurance policy, as a result of an accident that wasn’t your fault. Examples include; injury to you, loss of earnings and additional travel costs.

Courtesy car

If included, a courtesy car is provided when making a claim where your vehicle is deemed to be repairable by an ‘approved repairer’ of your insurance company. A courtesy car will typically not be provided if your vehicle is stolen and/or written off but cover can often be upgraded.

Windscreen cover

This provides cover for all damage sustained to your vehicle windscreen, whilst some insurers will extend this cover to side windows and sunroofs. A different excess will apply for windscreen claims and you may be required to use an approved repairer.

Personal accident cover

This is additional cover on the policy for injury and/or death caused by an accident. This cover will be up to a certain value depending on the circumstances, whilst a maximum age may apply.

Driving abroad

If included, this will extend your insurance policy to certain countries outside of the UK for a maximum number of days. However, cover levels may vary so please check with your insurer who may also be able to provide you with a Green Card, which acts as proof of insurance whilst abroad.

Personal effects cover

This is cover on the policy for lost, stolen or damaged personal possessions up to a certain value when a claim is made.

Breakdown cover

Insurers typically offer various levels of breakdown cover, from roadside assistance to vehicle recovery (to a place of safety, a garage or your destination). Additionally, if home start is included then your breakdown provider will come to your home to assist.

Repairs

Please note that following a claim most insurance provider’s will only guarantee the vehicle’s repairs if you use one of their approved repairers. You can still choose your own repairer, but you won’t benefit from this guarantee and an additional excess may apply.

Protected no-claims bonus

If a no-claims bonus is protected, then it’ll remain intact even if a “fault” claim is made. However, a subsequent claim may result in your NCB years being reduced.

Now we discus top 10 car insurance for over 50 Female.

Quote me Happy.com

 

Monthly Price:

1 x £258.06

10 x £145.66

Total: £1714.66

Annual Price:£1548.04per year

Excess:

  • Voluntary £250
  • Compulsory £200
  • Total £450

 

Legal included
Courtesy Car included
Breakdown £50.90 extra
Windscreen included
DEfaqto Rating 4 Stars

 

 

 

Policy features included…

Legal cover

Legal Cover Included
Amount of cover £100,000

 

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £150

 

Additional policy features available…

These features are available to add to your policy for an extra cost.

Breakdown cover

Breakdown cover £50.90
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Repairs

Type of repairs guaranteed All
Repair guarantee (years) 3
Non-approved repairer excess Yes

 

Not available…

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Legal Cover included up to £100,000
  • Monthly installment price is very low compare to other companies.
  • Windscreen cover policy included in this car insurance over 50 Female.

Cons:

  • Breakdown cover and Repair are not included in this policy plan but you add this cover with add some extra money.

General Accident

Monthly Price:

1 x £265.68

10 x £149.94

Total: £1765.08

Annual Price: £1593.56 per year

Excess:

  • Voluntary £250
  • Compulsory £150
  • Total£400
Legal included
Courtesy Car included
Breakdown £50.90 extra
Windscreen included
DEfaqto Rating 5Stars

 

Policy features included…

  • Legal cover
Legal Cover Included
Amount of cover £100,000

 

  • Courtesy car
Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

  • Windscreen cover
Windscreen cover Included
Excess (repair) £15
Excess (replace) £75

 

  • Personal accident cover
Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

  • Driving abroad
Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

  • Personal effects cover
Personal effects cover Included
Amount of cover £150

Additional policy features available…

These features are available to add to your policy for an extra cost.

  • Breakdown cover
Breakdown cover £50.90
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

  • Repairs
Type of repairs guaranteed All
Repair guarantee (years) 3
Non-approved repairer excess Yes

 

Not available…

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Courtesy Car is included in this policy plan.
  • Driving in abroad included for 180 days.
  • Legal Cover included up to £100,000

Cons:

  • Breakdown cover and Repair are not included in this policy plan but you add this cover with add some extra money.

 

 

Privilege Car Insurance:

Monthly Price:

1 x £288.96

10 x £161.69

Total: £1905.86

Annual Price: £1732.64 per year

Excess:

  • Voluntary £250
  • Compulsory £250
  • Total £500
Legal £28.00 extra
Courtesy Car included
Breakdown £36.96 extra
Windscreen included
DEfaqto Rating 5 Stras

 

Policy features included…

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £5,000
Disability cover £5,000
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 90
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £250

Additional policy features available…

These features are available to add to your policy for an extra cost.

Legal cover

Legal Cover Included
Amount of cover £100,000

 

Breakdown cover

Breakdown cover £36.96
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Repairs

Type of repairs guaranteed All
Repair guarantee (years) 5
Non-approved repairer excess Yes

 

Not available…

Protected no-claims bonus

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Personal accident cover included up to £5,000.
  • Personal effects cover included in this car insurance over 50 female policy plan.
  • Courtesy Car is included in this policy plan.

Cons:

  • Legal Cover, Breakdown cover and Repair are not included in this policy plan but you add this cover with add some extra money.

Churchill Legal Car Insurance

Monthly Price:

1 x £292.32

10 x £163.20

Total £1924.32

Annual Price: £1749.44 per year

Excess:

  • Voluntary £250
  • Compulsory £100
  • Total £350
Legal Cover included
Courtesy Car included
Breakdown £50.40 extra
Windscreen included
DEfaqto Rating 5 Stras

 

Policy features included…

Legal cover

Legal Cover Included
Amount of cover £100,000

 

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £5,000
Disability cover £5,000
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 90
EU cover/Green card included

 

Personal effects cover

Personal effects cover Included
Amount of cover £250

Additional policy features available…

These features are available to add to your policy for an extra cost.

Breakdown cover

Breakdown cover £50.40
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Repairs

Type of repairs guaranteed All
Repair guarantee (years) 5
Non-approved repairer excess NO

 

Not available…

Protected no-claims bonus

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Windscreen cover policy included in this car insurance over 50 Female.
  • Courtesy Car is included in this policy plan.
  • Legal Cover included up to £100,000
  • Personal accident cover included up to £5,000.

Cons:

  • Breakdown cover and Repair are not included in this policy plan but you add this cover with add some extra money.

Acorn Insurance:

 

Monthly Price:

1 x £298.00

10 x £194.19

Total £2239.90

Annual Price: £1986.64 per year

Excess:

  • Voluntary £250
  • Compulsory £650
  • Total £900
Legal cover included
Courtesy Car included
Breakdown £50.40 extra
Windscreen included
DEfaqto Rating 2stars

 

Policy features included…

Legal cover

Legal Cover Included
Amount of cover £100,000

 

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade
Days available-total loss 7

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £60

 

Personal effects cover

Personal effects cover Included
Amount of cover £250

Additional policy features available…

These features are available to add to your policy for an extra cost.

Breakdown cover

Breakdown cover £50.40
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Repairs

Type of repairs guaranteed All
Repair guarantee (years) 5
Non-approved repairer excess NO

 

Personal accident cover

Personal accident cover Not Included
Death cover £0
Disability cover £0
Personal accident max age Not Applicabel

 

Driving abroad

Use outside of UK Optional Upgrade
Number of days included Unlimited
EU cover/Green card included

 

Not available…

Protected no-claims bonus

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Legal Cover included up to £100,000.
  • Personal effect cover included in this policy plan.
  • Windscreen cover included in this policy plan.

Cons:

  • Excess fees is very high in this policy plan.
  • Personal accident cover not included in this policy plan.

 

City Insurance

Monthly Price:

1 x £476.69

9 x £231.58

Total £2560.91

Annual Price: £2233.43 per year

Excess:

  • Voluntary £0
  • Compulsory £3000
  • Total £3000
Legal cover £24.95 extra
Courtesy Car Not included
Breakdown £49.99 extra
Windscreen Not included
DEfaqto Rating 1 Star

 

Policy features included…

Personal accident cover

Personal accident cover Included
Death cover £0
Disability cover £0
Personal accident max age Not Applicable

 

Additional policy features available…

These features are available to add to your policy for an extra cost.

Legal cover

Legal Cover £24.95
Amount of cover £100,000

 

Breakdown cover

Breakdown cover £49.99
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Not available…

A few features are not available on this policy

Courtesy car

Courtesy Car Not Included
Type of courtesy car Not Applicable
Days available During repair
Courtesy car – total loss Not Included
Days available None

 

Windscreen cover

Windscreen cover Optional Upgrade
Excess (repair) £50
0xcess (replace) £50

 

Personal effects cover

Personal effects cover Not Included
Amount of cover £0

Repairs

Type of repairs guaranteed Not Included
Repair guarantee (years) 0
Non-approved repairer excess NO

 

Driving abroad

Use outside of UK Not Included
Number of days included Not Included
EU cover/Green card Not Included

Protected no-claims bonus

A few features are not available on this policy

Protected no-claims bonus Not included

 

Pros:

  • Monthly Installment price is low.

Cons:

  • This policy is not good for policyholder.

 

Insue Wiser

Monthly Price:

1 x £459.07

9 x £244.84

Total £2662.63

Annual Price: £2295.37 per year

Excess:

  • Voluntary £0
  • Compulsory £3000
  • Total £3000

Policy features included…

Legal Not included
Courtesy Car included
Breakdown included
Windscreen included
DEfaqto Rating 3Stars

 

Policy features included…

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £150

Breakdown cover

Breakdown cover £50.90
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Not available…

A few features are not available on this policy

Legal cover

Legal Cover Not included
Amount of cover £0

 

Protected no-claims bonus

Protected no-claims bonus Not included

 

Pros:

  • Breakdown Cover included in this policy plan.
  • Legal cover included in this policy plan.
  • Personal accident max age is unlimited.
  • Personal effect cover included in this policy plan.

Cons:

  • Legal cover not included in this policy plan.

 

NCI Insurance

Monthly Price:

1 x £322.15

11 x £208.69

Total £2617.74

Annual Price: £2301.08 per year

Excess:

  • Voluntary £0
  • Compulsory £3000
  • Total £3000
Legal £29.50 extra
Courtesy Car included
Breakdown included
Windscreen included
DEfaqto Rating 4 Stars

 

Policy features included…

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £150

Breakdown cover

Breakdown cover Included
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Additional policy features available…

These features are available to add to your policy for an extra cost.

Legal cover

Legal Cover £29.50
Amount of cover £100,000

Driving abroad

Use outside of UK Included
Number of days included Up to 90 days
EU cover/Green card Not included

Not available…

A few features are not available on this policy.

Protected no-claims bonus

Protected no-claims bonus Not included

 

Pros:

  • Windscreen Cover included in this policy plan.
  • Breakdown cover included in this policy plan.
  • Personal effects cover is included in this policy plan.

Cons:

  • Legal cover and Driving abroad are not included in this policy plan but you add this cover with add some extra money.

 

Wiser Platinum

 

Monthly Price:

1 x £468.21

11 x £249.71

Total £2715.60

Annual Price: £2341.05 per year

Excess:

  • Voluntary £0
  • Compulsory £3000
  • Total £3000

 

Legal Included
Courtesy Car included
Breakdown included
Windscreen included
DEfaqto Rating 4 Stars

 

Policy features included…

Legal cover

Legal Cover included
Amount of cover £100,000

Driving abroad

Use outside of UK Included
Number of days included Up to 90 days
EU cover/Green card Not included

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £150

Breakdown cover

Breakdown cover Included
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Additional policy features available…

These features are available to add to your policy for an extra cost.

Not available…

A few features are not available on this policy.

Protected no-claims bonus

Protected no-claims bonus Not included

 

Pros:

  • Legal Cover included up to £100,000
  • Personal accident cover included up to £2,500
  • Personal effects cover included in this car insurance over 50 female policy plan.
  • Courtesy Car is included in this policy plan.

Cons:

  • Protected no-claims bonus not included in this policy plan.

Cover Box (Black Box Policy)

Monthly Price:

1 x £755.07

11 x £206.62

Total £2841.27

Annual Price: £2583.56 per year

Excess:

  • Voluntary £250
  • Compulsory £200
  • Total £450
  • Legal
£18.00 extra
Courtesy Car included
Breakdown £35.00 extra
Windscreen included
DEfaqto Rating 4 Stars

 

Policy features included…

Driving abroad

Use outside of UK Included
Number of days included Up to 90 days
EU cover/Green card Not included

Courtesy car

Courtesy Car Included
Type of courtesy car Small hatchback
Days available During repair
Courtesy car – total loss Optional upgrade

 

Windscreen cover

Windscreen cover Included
Excess (repair) £10
Excess (replace) £75

 

Personal accident cover

Personal accident cover Included
Death cover £2,500
Disability cover £2,500
Personal accident max age Unlimited

 

Driving abroad

Use outside of UK Included
Number of days included 180
EU cover/Green card Not included

 

Personal effects cover

Personal effects cover Included
Amount of cover £150

 

Additional policy features available…

These features are available to add to your policy for an extra cost.

Legal cover

Legal Cover £18.00
Amount of cover £100,000

 

Breakdown cover

Breakdown cover £35.00
European breakdown cover Optional upgrade
Breakdown upgrades available Roadside assistance / Tow to nearest garage / Recovery / Homestart

 

Not available…

A few features are not available on this policy.

Protected no-claims bonus

Protected no-claims bonus Not included

 

Pros:

  • Personal accident cover included up to £2,500
  • Driving in abroad included for 180 days.
  • Personal effects cover included in this car insurance

Cons:

  • Legal cover and Breakdown coverare not included in this policy plan but you add this cover with add some extra money.

 

Conclusion:

 

Quote me happy.com and general Accident car insurance company policy plan is little bit same and their monthly and annual price are also little bit same. Now we talk about Privillege car insurance, in this insurance policy plan we see one minas point. The minas point is its Legal cover policy is not included in same policy plan price and all other policy plan is good. Churchill Legal Car Insurance, Insue Wiser Car insurance, NIC Insurance and Acorn Insurance policy plan are so-so. When we talk about City Insurance policy plan then we suggest you that this policy plan is not for you because its policy features are additional available, its mean that like Legal cover, Breakdown cover are not included like other company policy plan.

When we compare car insurance over 50 female companies plan then we concluded that Quote me happy.com and general Accident car insurance company policy plan are good for you.

 

 

 

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