Can male motorists benefit from cheap car insurance for women?

Last Modified 16th of February 2021

The short answer is “No, but you used to be able and you might be able to in the near future.” It used to be the case that for a male driver, adding a female named driver to your policy could in fact reduce the cost of your premiums. If you were a young driver and you could have added a more experienced female driver to your policy you might find your premium falls quite substantially.

However, you could only do this is the female driver in question regularly drove the car; otherwise you are technically committing fraud (it’s called ‘fronting’ and may render your insurance invalid and cause your insurance company not to pay out in the event of a claim).

The EU law

An EU law over sex discrimination came into effect and women don’t get t a discount on their insurance. The result is that women’s insurance has become much more expensive and therefore adding a female as a named driver will not help and will just add an extra cost to your insurance. The good news for single men is that this law may save you a small amount on your premiums, but it will add a significant amount to any women’s premiums and therefore if you are a couple or are married the new ruling will in fact cost you more money overall.

In summary

It’s unclear whether Britain will go back to offering cheaper insurance for female drivers. We don’t know where Brexit will take us, but for the time being there is currently no discrimination between the sexes when it comes to car insurance.