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1st for Women Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
Choice of repairer
Optional Extra

Mozo editorial review 1st for Women Comprehensive Car Insurance - last updated: 8 October 2021

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What's hot
  • $20 million legal liability cover
  • 24-hour claims service
  • Up to 15% no-claims discount
What's not
  • Additional young driver excess
  • Monthly premium payment costs extra
Mozo snapshot

If you’re after comprehensive car insurance policy that offers cover for a range of events, with products tailor-made for the needs of Aussie women, then 1st for Women might be the policy for you. 

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Key features

1st for Women focuses on rewarding women based on their statistically lower risk as drivers. Research shows this driving behaviour has a knock-on benefit for insurance companies, as claims made by women are fewer and involve less damage, which generally comes at a lower cost for insurance providers.

With a 1st for Women Comprehensive Car Insurance policy, women drivers receive a range of cover without the hefty bill, as a higher excess is applied to male drivers (alongside young and inexperienced drivers). So female drivers can enjoy lower premiums.

Not only can you access a 24/7 claims service, but in the event that your car is written off, 1st for Women will replace it with a brand spanking new car, as long as your written off vehicle was less than 1 year old or had been driven less than 20,000 kilometres (whichever comes first).

If your keys are stolen the policy will cover the costs up to $1,000. 1st for Women will also repair or replace any personal effects (up to $250), including child seats in your car if they are damaged in the event of a crash, as well as covering emergency transport and accommodation of up to $150 a day ($600 in total).

There are a few features that aren’t covered as part of 1st for Women standard Comprehensive Car Insurance policy. There are extras like rental car cover (up to 14 days if your wheels are damaged in an at-fault accident) and the option to reduce your windscreen excess by varying your premium. Just remember including these on your policy will cost extra.

Who is it good for

Responsible women who don’t want to pay a high premium but also want to avoid a hefty repair bill after an accident.

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Any catches

Men, you are welcome here! But to reward statistically safer female drivers with a lower premium, you will pay a higher excess. 

Also keep an eye out for the extra excess on young, inexperienced and unlisted drivers, plus charges for monthly premium payments.


Rates and fees information correct as at 18 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$450 - $1,850

$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24. Extra $200 for any claims by a male driver.

Not Published

5 years


25% if combined with Home and Contents



Service features

Optional Extra

Optional Extra




Coverage summary

Agreed or Market

Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first

Up to $250 if damaged.

Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.

Up to $500

Reasonable towing costs. Up to $600 travel and accommodation costs (max $150 per day).

Yes - Up to 14 days, max $1,000 total.

Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.

Yes - legal liability cover when using a substitute vehicle.

Up to $500 for trailer only.

Up to $1,000 if stolen.

Up to $250

Covered only if agreed in writing.



Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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