1st for Women car insurance

Almost 20 years old, insurance provider 1st For Women was created back in 2002 to meet the needs of a growing population of independent women.

The minds behind this insurance provider saw that an increasing number of Australian women were taking out their own insurance policies. So, 1st For Women’s aim was to not only fill this gap in the market, but also to recognise that female drivers pose less of an insurance risk than male drivers.

1st For Women offers a range of products, including car and home insurance. Keep scrolling to read more about 1st For Women’s policies.

1st for Women offers the following car insurance policies

Rates and fees verified as correct at 23 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer  
Comprehensive Car Insurance

Yes costs extra

Not Published

n/a

Optional Extra

Go to site

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Who is 1st For Women underwritten by?

1st For Women’s insurance policies are underwritten by the Auto & General Insurance Company, which has been operating in Australia since 2000. Auto & General underwrites a number of big brands including Budget Direct, Ozicare, Qantas and Virgin Money.

What type of car insurance does 1st For Women offer?

1st For Women offers third party and comprehensive car insurance. Plus, roadside assistance which is available as an optional extra.

What does 1st For Women’s comprehensive car insurance cover?

Comprehensive car insurance is the highest level of cover 1st For Women offers. Its policy includes:

1st For Women also has a money back guarantee, if you change your mind and cancel your policy within 21 days of purchasing it. So long as you haven’t made any claims, you should be able to get a full refund.

For a bit of extra cover you can also add these optional extras onto your comprehensive policy. Just remember that any additional coverage will increase the cost of your premium.

What does 1st For Women’s roadside assistance cover?

Similar to other car insurers, 1st For Women’s roadside assistance is available as an optional extra and you can purchase it for around $89.95 per year. To be eligible your wheels must be less than 16 years old, not be driven for commercial or business purposes and have less than 250,000 kilometres on the clock at the time you purchase your cover.

If your car meets all that criteria and you do wind up paying for this additional cover, you’ll receive roadside assistance with:

With this cover you’ll be able to make up to six roadside callouts per year and have access to a 24-hour helpline.

What does 1st For Women’s comprehensive car insurance not cover?

If you’ve ever taken out an insurance policy before, then you’ll know that there are always general exclusions to look out for. Some things 1st For Women’s comprehensive car insurance will not cover you for are:

Read the product disclosure statement for a full list of exclusions that apply to 1st For Women’s comprehensive car insurance policy. This can be found on the insurer’s website (note - insurers should always provide a copy of the PDS on their website!).

More FAQs about 1st For Women car insurance

What does 1st For Women’s third party car insurance cover?

First of all 1st For Women offers two types of third party car insurance - third party property and third party fire and theft.

The most basic level of cover 1st For Women offers, third party property includes:

  • Up to $20 million of legal liability

  • Up to $3,000 of uninsured motorist damage cover - that is if your car is involved in a no fault accident with an uninsured vehicle

  • Access to 1st For Women’s 24-hour claims helpline

It should be noted that besides the ‘uninsured motorist damage’ cover, this type of insurance is not designed to provide cover for your own wheels. Its main purpose is to provide cover for any damage you might cause to someone else’s vehicle.

Third party fire and theft, however, does provide a little bit of protection for your own vehicle. As well as the above, it offers:

  • Cover if your car is damaged in a fire or as the result of a theft or attempted theft

  • Up to $1,000 of cover for a hire car following a theft, for a maximum of 14 days

Does 1st For Women offer a no claims discount?

Yes, 1st For Women does offer a no claims discount with comprehensive policies. The no claims discount is designed to reward good driving history and 1st For Women may even offer it to you, if you had it with your previous insurer.

So how does it work? Well for each year that you do not make an ‘at fault’ claim, your no claims discount will increase by one level. The levels are rated from one to six, with one being the biggest discount you can receive and six being the lowest. The ratings are as follows:

  • Rating 1 - 15%

  • Rating 2 - 12%

  • Rating 3 - 9%

  • Rating 4 - 6%

  • Rating 5 - 3%

  • Rating 6 - 0%

For each ‘at fault’ claim that you make your no claims discount will be reduced by two ratings, in your next insurance period. However, there are some instances in which your no claims discount won’t be reduced. That is if you make a claim for:

  • Window glass only

  • A ‘no fault’ accident 

  • Damage caused by a storm, wind or hail

If you are on rating one, you may also be given the option to purchase ‘no claims discount protection.’

Any extras I can pay a higher premium for?

Yes, you can opt to lower the excess that applies to your windscreen (so if it gets damaged you’ll pay less or nothing at all), hire car cover for when a thief steals your car (Ts and Cs apply) and No Claim Discount Protection (which protects your record if you make one claim a year, or two claims in three years) for a higher premium.

What does the “excess” mean?

It’s simply the amount you’re required to pay before 1st for Women would step in and pay the rest if you’re involved in a incident. For instance, let’s say a tree branch fell on your car and dented it. If your excess was $700 and the repairs cost $1,000, you’d pay the excess while 1st For Women would fork out $300 (provided your claim went through).

With 1st For Women you choose for your excess, which can range from $650 - $1,850. If you’re a young driver or only recently started hitting the roads, you may be given a designated excess. Remember, as a rule of thumb, the higher the excess, the lower your premium will be because you’re accepting more risk financially.

How can I get a quote?

Simply head to 1st For Women’s official site and follow the prompts on the application page. The cost of your premium will depend on how you answer key questions, such as the make and model of your car and where you park your set of wheels at night. If you’re looking for the cheapest quote possible and fit the criteria you can put an age restriction on your policy. Best of luck!

How do I make a claim with 1st For Women?

You can lodge a ‘quick claim notification’ via 1st For Women’s website. Just make sure you have your policy number and personal details to hand.

How is 1st for Women car insurance rated?

Mozo users have rated 1st for Women car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
1st for Women car insurance
Overall
6.0/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

2 Reviews

Recent 1st for Women car insurance reviews

1st for Women Car Insurance review
Overall 7/10
want some

want some

Read full review

want some

Less
S, New South Wales, reviewed 3 months ago
1st for Women Comprehensive Car Insurance review
Overall 5/10
May as well pay all myself

Not very helpful

Read full review

Not very helpful

Value for money
6/10
Policy coverage
7/10
Customer service
8/10
Claims handling
6/10
Trust
6/10
Less
Angela, South Australia, reviewed about 3 years ago

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