Car insurance for women

If you're 18 or over, you have the option of paying in full or in instalments, subject to a creditworthiness assessment. It's more expensive to pay for your policy by monthly instalments instead of paying in full, because you're charged interest on a loan.

However, if you're 17 you'll need to pay in full as car finance is not an option for 17-year-olds, as you're not allowed to sign a credit agreement until the age of 18.

If you decide to pay  by instalments, we offer two options: a direct debit from your bank or monthly recurring card payments from a debit or credit card.

When you purchase a policy for the first time and decide to pay monthly, you'll be required to pay a deposit on the day you purchase, in addition to your monthly instalments.

We accept the following cards:

Visa, Visa Electron, Mastercard, Maestro

You would have told us what you use your car for when you took out your policy.

Please check your Insurance Certificate to confirm your level of cover.

You can find your Insurance Certificate online in the Your Account.

If you are aged 25 or over, then in a majority of cases we will cover you to drive other cars, although there are some exceptions to this rule, for example some occupations won't be covered.

Please don't assume that you are covered without first checking your Certificate of Motor Insurance. When you buy a policy with us, we will email this to you and can also be accessed within Your Account. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1ST CENTRAL will provide Third Party only cover for any accident involving the car, while you're driving it. This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you're driving.

When you're getting a quote, we'll tell you before you buy whether driving other cars is included.

The following conditions must be met for this cover to apply:

• You must obtain prior permission from the owner of the car
• You are still in possession of your own car, it is still insured and it has neither been damaged beyond economical repair nor stolen
• The other car is not owned by you and is insured by another insurance policy to drive on the public highway (and is not a rental car, or hired to you under a hire purchase or leasing agreement)
• You are not named as a driver of the other car on any Certificate of Motor Insurance
• You are not using this cover to remove the car in the event it has been seized by, or on behalf of, any government or public authority

Your 1st Central policy includes up to a maximum of 90 days’ free cover per policy year whilst driving the insured vehicle in:

• any country which is a member of the European Union; and
• any country which the Commission of the Economic Community approves as meeting the requirements of Article 8(1) of the EC Directive 2009/103/EC, or as amended.

Countries include:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein). 

Currently you have the same level of cover you receive in the UK for 90 days whilst driving in Europe, and cover isn’t limited to one trip only. After the 90 days, if you’re still driving abroad, you’ll automatically have the minimum legal cover required for that country (usually third party only).

If you’ve already used your period of cover for this year or wish to extend your cover beyond your standard allowance, this will be subject to our underwriting criteria and you may need to pay an additional premium.

You need to let us know if you’re planning to take your car abroad, no matter how many days you plan to go away for.

You can view your Insurance Document Wording on our website here.