Go Girl Car Insurance Review

Go Girl provides car insurance designed with female drivers in mind, offering comprehensive coverage with added benefits such as handbag cover and enhanced personal effects protection.

Company & Policy Details

Company Information

Established

2015

Underwritten by

Sabre Insurance Group PLC

Market Position

Budget

Customer Service Hours

365 days: 9am–9pm

Ratings & Performance

Claims Satisfaction

4.0

Financial Strength

A

Mobile App

4.0

Policy Features

No Claims Discount Protection

Up to 1 years

Telematics Option

Not available

Multi-Car Discount

Not available

New for Old Replacement

Vehicles up to 0 years old

Uninsured Driver Promise

Not included

Paperless Discount

Available

Key Benefits

  • Enhanced handbag and personal belongings cover
  • Female-friendly approved repairer network
  • Flexible comprehensive coverage options

Available Features

Courtesy Car
Windscreen Cover
Personal Accident
Legal Protection

Customer Service

Online Claims Service
24/7 Claims Helpline
UK Call Centres

Premium Range

From

£320.00

Average

£420.00

Cover Types

  • Comprehensive
  • Third Party Fire & Theft
  • Third Party Only

Coverage Distribution

Comprehensive

33.3%

Third Party Fire & Theft

33.3%

Frequently Asked Questions

What additional benefits do you offer?

We include handbag cover up to £300, personal effects cover, and child car seat replacement after accidents.

Do you only insure women?

While our policies are designed with women in mind, we welcome all drivers regardless of gender.

What security features do you reward?

We offer discounts for security features like trackers, immobilizers, and secure parking.

How does the claims process work?

Claims can be made 24/7 through our UK claims line with female-friendly approved repairers available.

In-Depth Provider Analysis

Expert Analysis: Go Girl Car Insurance

Go Girl is a UK insurance brand aimed primarily at young women drivers, though it serves all genders. It offers comprehensive car insurance with optional extras such as handbag cover, child car seat replacement, and free legal protection. Go Girl’s branding and offers target safety-conscious, budget-minded drivers who value clear pricing and added benefits.

Professional Editorial Review

Go Girl delivers thoughtful protection with a safety-first attitude. Ideal for those stepping onto the road for the first time with confidence.

Market Position

Niche provider focused on value for new and young drivers.

Pricing Strategy

Budget – Competitive rates, especially for drivers aged 17–30.

Who Should Consider Go Girl? A Detailed Analysis

Young women drivers, new motorists, and cautious road users seeking solid cover and added peace of mind.

Ideal Customer Profiles

First-time drivers looking for simplicity and value
Parents seeking cover for teen drivers
Safety-minded drivers wanting bundled extras

May Not Be Suitable For

Motorists seeking specialist or business use cover
Drivers needing complex multi-car insurance
Fleet users or older drivers seeking extensive tools

Key Strengths & Advantages

1

Specialised cover that goes beyond the basics

2

Friendly and simple brand experience

3

Competitive for new or careful drivers

4

Good introductory incentives

5

Stable pricing on renewals

Important Considerations

Not ideal for high-value or modified vehicles

Fewer customisation options for experienced drivers

No app – web-only servicing

Not widely featured in comparison results

What Makes Go Girl Stand Out

Free legal cover and personal belongings cover

Child car seat cover included as standard

Simple, clean interface for quotes and policy updates

Backed by Sabre Insurance

Online account access with responsive support

Claims Process Analysis

Claims are handled through an online portal or via telephone. Dedicated handlers support users through the process, and repairs are managed via a national network.

Claims Process Highlights:

  • • Online reporting available 24/7
  • • Typical processing time: 5-7 working days
  • • Network of approved repairers nationwide
  • • Courtesy car provision where applicable

Customer Service Experience

Customer service is professional and empathetic, with a good reputation for helping less experienced drivers.

Service Features:

  • • Business hours support (9am-5pm)
  • • Online policy management portal
  • • Email and phone support channels
  • • Self-service options for routine tasks

UK Car Insurance Market Context

Understanding how Go Girl fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Go Girl's approach aligns with your needs.

Average Claim Settlement Time

15 days

Source: Financial Conduct Authority

Claims

Young Driver Premium Increase

+127%

Source: Confused.com Price Index

Demographics

Percentage of Drivers Switching Insurers in 2024

39%

Source: GoCompare Switching Trends Survey

Market

UK Car Insurance Market Size

31 million policies

Source: Statista UK Insurance Report

Market

Average UK Car Insurance Premium 2024

£694

Source: Association of British Insurers

Pricing

Average Cost of Car Insurance Fraud Per Case

£1,150

Source: Insurance Fraud Bureau, 2024

Risk

Customer Satisfaction Average

72%

Source: Consumer Intelligence

Service

Black Box Policy Uptake Among Drivers Under 25

51%

Source: Compare the Market, 2024 Telematics Report

Uptakes

These market statistics help put Go Girl's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.

Sarah Mitchell - Insurance Expert

Expert Analysis by Sarah Mitchell

Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.

Areas of Expertise:

Motor Insurance
Claims Analysis
Consumer Rights

Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.

Last updated: 7/8/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes

Detailed Questions About Go Girl

How does Go Girl compare to other budget insurers in terms of value for money?

Go Girl positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.

What should I expect from Go Girl's claims process?

Claims are handled through an online portal or via telephone. Dedicated handlers support users through the process, and repairs are managed via a national network. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.

Is Go Girl suitable for young or inexperienced drivers?

Go Girl can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.

How reliable is Go Girl for long-term coverage?

Go Girl has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Go Girl work best for customers who prioritize cost over premium service features.

Transparency & Methodology

This comprehensive analysis represents independent editorial opinion based on extensive research ofGo Girl's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Go Girl for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.

Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.

Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.

Next Steps with Go Girl

How to Get Coverage

  • Visit Go Girl's website directly
  • Takes about 10-15 minutes to complete
  • Have your vehicle registration and driving license ready

Important Note

The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:

  • Your vehicle's age, make, and model
  • Your age, driving history, and location
  • No claims bonus and voluntary excess
  • Current market conditions and provider pricing

Please contact Go Girl directly for the most accurate and up-to-date quotes for your specific situation.