First For Women Insurance is a unique South African insurance provider created specifically to serve the needs of women, while still offering coverage to men. Launched in 2008, the insurer disrupted the market by recognising that women statistically present lower risk profiles in areas such as driving behaviour and claims frequency. As a result, First For Women introduced fairer pricing models, women-centric benefits, and enhanced safety features that reflect real-world data rather than outdated assumptions.
Beyond affordability, First For Women is known for its reward programs, optional cover extensions, and lifestyle-aligned insurance solutions. Whether you are a young professional, a mother, a business owner, or a retiree, the insurer provides flexible policies that can be tailored to different life stages and responsibilities, all while maintaining an emphasis on security and value.
Why Choose First For Women Insurance
Women-Focused Insurance Model
First For Women was built on the understanding that women often pose lower insurance risks, especially in driving-related claims. This insight allows the insurer to offer more competitive premiums and benefits that align with women’s real-life needs, including safety-focused features and practical support services.
Comprehensive Range of Insurance Products
The insurer offers a broad selection of cover options, including:
Car insurance (comprehensive, third-party, and optional add-ons)
Home insurance (buildings and contents cover)
Portable possessions insurance (phones, laptops, jewellery)
Life- and lifestyle-related insurance solutions through partners
This range allows customers to consolidate insurance needs under one provider while maintaining flexibility and control.
Value-Added Safety and Support Services
First For Women goes beyond standard insurance by including personal safety and support services, such as:
24/7 roadside and home emergency assistance
Trauma counselling after incidents
Legal assistance and advice
Emergency medical support referrals
These services provide reassurance during stressful moments, reinforcing the brand’s safety-first philosophy.
Rewards and Savings Programs
Policyholders can benefit from reward-based programs that recognise safe driving, responsible behaviour, and loyalty. These incentives can reduce premiums over time and make long-term insurance more affordable.
How First For Women Insurance Works
Getting a Quote and Choosing Cover
Customers can obtain quotes online or through consultants by providing basic information about their vehicle, home, or valuables. The insurer then offers customised policy options based on risk profile, location, and coverage preferences.
Flexible Add-Ons and Customisation
Policies can be enhanced with optional benefits such as:
Tyre and rim cover
Scratch and dent protection
Enhanced roadside assistance
Additional portable property coverage
This flexibility ensures customers only pay for what they need.
Claims Process and Support
Claims can be submitted online, through the app, or via phone. First For Women provides guided claims support, helping clients understand documentation requirements and next steps. Digital tracking tools allow policyholders to monitor progress, improving transparency and reducing stress.
Ongoing Policy Management
Customers can manage policies digitally, update personal details, add or remove cover, and review renewals with ease. This self-service capability ensures control and convenience throughout the policy lifecycle.
Key Benefits of First For Women Insurance
Competitive premiums based on gender-aware risk analysis
Strong focus on personal safety and support services
Backed by a reputable insurance group (TIH)
Flexible and customizable cover options
Digital tools for easy policy and claims management
Rewards for responsible behaviour and loyalty
Things to Consider Before Choosing First For Women
Premiums and benefits may vary depending on individual risk profiles
Policy exclusions and excess amounts should be reviewed carefully
Claim experiences can differ, making proactive communication important
Some add-ons may increase overall costs if not managed carefully
20 practical tips for getting the best out of First For Women Insurance, 16th December 2025
1. Understand the women-focused pricing model
First For Women bases premiums on data showing women often present lower risk, which can result in more competitive pricing.
2. Choose the right level of car cover
Select between comprehensive, third-party, or tailored options based on your driving habits and vehicle value.
3. Take advantage of safety-focused benefits
Use included roadside, medical, and emergency support services for added peace of mind.
4. Review optional add-ons carefully
Add benefits like tyre and rim or scratch and dent cover only if they match your driving environment.
5. Be honest when providing personal details
Accurate information ensures valid cover and avoids claim disputes later.
6. Compare quotes before finalising
Check how First For Women compares with other insurers to confirm value for money.
7. Understand excess amounts
Knowing your excess helps you decide when claiming is financially worthwhile.
8. Use the digital platforms
Manage policies, documents, and claims efficiently through online portals or apps.
9. Keep policy documents accessible
Save digital copies for quick reference during emergencies or claims.
10. Update your policy after life changes
Notify the insurer when you move, change vehicles, or add valuables.
11. Bundle insurance where possible
Combining car, home, and portable items under one policy can reduce overall costs.
12. Understand claim reporting timelines
Report incidents promptly to prevent delays or claim rejection.
13. Keep proof of ownership
Store receipts, photos, and serial numbers to speed up claims.
14. Use trauma and legal support services
Take advantage of counselling and legal assistance included in your cover.
15. Review renewal notices carefully
Check for premium increases or benefit changes before accepting renewals.
16. Avoid underinsuring your assets
Ensure insured values reflect current replacement costs.
17. Ask questions before signing
Clarify exclusions, waiting periods, and limits to avoid misunderstandings.
18. Keep emergency contact numbers saved
Quick access to support lines helps during stressful situations.
19. Monitor claims progress actively
Follow up regularly to ensure smooth and timely claim handling.
20. Reassess your cover annually
Review your policy each year to keep it aligned with your lifestyle and budget.
21. Choose safety features that reduce risk
Vehicles with tracking devices, alarms, and immobilisers can lower risk and may positively influence premiums.
22. Consider mileage-based cover suitability
If you drive less frequently, ask whether your driving patterns can affect your premium calculation.
23. Insure valuables separately when necessary
High-value jewellery or electronics may need specific listing to ensure full protection.
24. Understand no-claim benefits
Maintaining a clean claims history can lead to lower premiums and better renewal terms.
25. Ask about temporary vehicle cover
Short-term insurance options may be useful for borrowed, rental, or replacement vehicles.
26. Keep a personal insurance file
Store policy documents, contact numbers, and claim records in one accessible location.
27. Review exclusions related to personal use
Confirm whether business or ride-sharing activities require additional cover.
28. Use support services even if you don’t claim
Roadside, legal, and counselling services can be used without submitting an insurance claim.
29. Confirm payment methods and dates
Set up reliable debit orders to prevent policy lapses and missed coverage.
30. Re-evaluate affordability over time
Regularly assess whether your premium still fits your budget and coverage needs.
Link to Get a Quote or Purchase First For Women Insurance
Here’s the official link to get a quote or purchase First For Women Insurance online:
First For Women Insurance (South Africa)
firstforwomen.co.za/
From this site, you can:
Get instant online quotes for car and home insurance
Buy a policy securely online
Manage your insurance details and documents
Access claims support and emergency assistance
Explore benefits, add-ons, and rewards programmes.
Tip: Click “Get a Quote” on the homepage to start comparing cover options and premiums tailored to your profile.
Challenges and Solutions of First For Women Insurance
One of the main challenges customers may face with First For Women Insurance is understanding policy details such as exclusions, excess amounts, and optional add-ons. Insurance terminology can be complex, and if these details are not reviewed carefully, policyholders may experience surprises during claims. Some customers also report delays in claims processing or communication gaps, particularly during high-volume periods. These issues can create frustration, especially when timely assistance is expected after an incident.
Another challenge is balancing affordability with adequate coverage. While First For Women is known for competitive pricing, adding multiple optional benefits can increase premiums over time. Additionally, underinsurance can occur if customers fail to update insured values after purchasing new vehicles, home upgrades, or expensive personal items. This may result in reduced payouts during claims, leaving policyholders responsible for unexpected costs.
The solutions lie in proactive engagement and informed decision-making. Customers should thoroughly review policy documents, ask questions before finalising cover, and use digital tools to monitor their policies regularly. Reporting claims promptly, keeping accurate records, and reviewing coverage annually can significantly reduce challenges. By maintaining clear communication with the insurer and aligning coverage with lifestyle changes, policyholders can enjoy the full benefits of First For Women Insurance with greater confidence and peace of mind.
Summary
First For Women Insurance stands out in the South African insurance market by offering fairer pricing, enhanced safety benefits, and women-focused support services. Its innovative approach, combined with strong financial backing and digital convenience, makes it an attractive choice for individuals seeking both affordability and peace of mind.
With a wide range of products covering vehicles, homes, and personal belongings, First For Women provides flexible and practical insurance solutions tailored to modern lifestyles. The inclusion of trauma support, legal assistance, and emergency services further strengthens its value proposition.
In conclusion, First For Women Insurance is ideal for customers who value safety, fairness, and personalised protection. By understanding policy terms and selecting appropriate add-ons, policyholders can enjoy reliable coverage that adapts to their evolving needs and life stages.
