Car Insurance for Women

We’ll search 17 insurers to find you our best price but we do understand that price is not the only consideration for female drivers.

Through our approved panel of insurers, we can provide car insurance quotes for women with a wide range of optional features and benefits such as windscreen cover, full bonus protection, personal effects cover and more to give you piece of mind in the event of an unforeseen incident.

Low Cost Lady Driver Car insurance

Historically, ladies car insurance in Ireland was cheaper than their male counterparts as insurance companies considered female drivers to be safer drivers. Following the implementation of gender equalisation legislation in 2012, insurers can no longer use gender as a reducing premium factor for car insurance, whether it’s for women or for men.

At First Ireland, we still value safer no claim drivers, and can offer no claim bonus discounts of up to 65% for 5+ year’s claim free driving in your own name. Other factors that may reduce the price of female motor insurance is age, driving experience, the type of vehicle to be insured, where the car is parked up overnight and the policy excess selected.

This is good news for lady drivers as it means it is still possible to find cheap car insurance for women in Ireland and this is where we can help!

Need help or have a query?

Just call our Car Insurance Broker Team or see our Visit F.A.Q.Frequently Asked Questions


As a First Ireland car insurance policyholder you will have access to our extra benefit package, AdvantageFirst.

AdvantageFirst includes First Ireland Rescue, First Ireland Personal Accident Cover, First Ireland Uninsured Loss Recovery Service, First Ireland Total Loss/Vehicular Theft Replacement Car Facility, First Ireland Uninsured Drivers Excess Payment

This benefit package is in addition to the benefits provided by your underwriter.

Call us today to learn more about AdvantageFirst and how it can add extra value to your car insurance policy.

Car Insurance Claims

We offer a Full Claims Advice and handling Service, and are here to help you every step of the way. We will also help you get the best possible settlement if you do. With First Ireland you are also not alone in the event of making a claim against a third party – we have a specialist service to help you right through to claim settlement, including recovery of your uninsured losses.
    What to do in the event of an accident:
  • Make sure no one is injured. If you have any doubts ring the emergency services.

  • Get the registration numbers of the other vehicle(s) involved.

  • Get the insurance details (insurer and policy number) from their insurance disc(s).

  • Get the phone numbers of the other people involved.

  • Contact details and insurance information of anyone else involved.

  • Contact details of any witnesses or Gardai (or other police if abroad).

  • If possible, try to take some photos of the scene using your mobile phone (from a safe place).

  • Ring us and report the claim as soon as possible.

  • Don't admit liability, even if you think the accident is your fault.

  • Don't move your vehicle until it is safe to do so.

  • to help with accidents.

    What to do in the event of theft:
  • Contact your local Garda Station immediately to report the theft.

  • Ask the Gardai for their case Reference number, contact person and contact details (if they don’t have it yet, they will post it out to you).

  • Ring us and report the theft as soon as possible, and will we take it from there.

    Windscreen Claims:
  • Call us to check your approved repairer for windscreen damage

Car Insurance F.A.Q.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess amount will be listed in your policy schedule or Quotation.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

Do I have a No Claims Bonus as a named driver?

If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount, if you were driving claim free.

How much is a No Claims Bonus discount worth?

Each insurers discount scale varies. Typically you can earn at least 10% for 1 year and 50% for 5 years claim free. Some Insurers will give extra discounts for 6 or 7 years claims free.

What happens to my No Claims Bonus if I have a claim?

In theory you can lose your entire no claims bonus. However, most of the policies we recommend include some level of protection to your no claims bonus. That can be either Step Back Bonus Protection, where part of your bonus is ‘stepped back’ for example from 5 years back to 3 years, or a higher level of Bonus Protection.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a claim your earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is a No Claims Bonus Protection?

No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.

What is Open Driving?

Open Driving is a benefit that can be given by some Insurers on SOME policies. It means that someone who is not Named on your policy can drive your car. There are restrictions set by each insurer. For example; drivers might have to have a Full driving licence and be aged between 30 and 75. These rules/restrictions vary between each insurer but will always be noted on your Certificate of Insurance.

What is Driving of Other Cars?

Driving of other cars is cover to drive someone else’s car, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Normally, cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered. Some policies we offer can give Comprehensive Driving of other Cars.

About First Ireland

First Ireland is proud to be a fully 100% Irish owned and operated company.

We are one of the largest brokerages in Ireland. All our resources are dedicated to, and all our business strategies are aimed at meeting the needs of our valued customers in Ireland. They’re the only ones we have. We now employ over 130 people at First Ireland and our extensive client list extends from individuals to large corporations.