This is the ultimate review to guide you through Sheilas' Wheels car insurance.
You might already know that Sheilas' Wheels offers several car insurance policy options.
Some are great, others not so much.
So if you want to get better value for money for your car insurance, indicative quotes and tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Table of Contents
Is Sheilas' Wheels the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
At Safe, we’ve studied in detail Sheilas' Wheels car policy terms and conditions and given our own ratings based on different criteria:
2,6 Safe overall rating for Sheilas' Wheels
|Safe rating||Our opinion|
|Customer service & satisfaction|
3.9/5 based on 2477 opinions on TrustPilot
90 days cover in Europe included as standard on both cover options offered
|Value for money|
Up to 20 years of No Claims Discount can be accumulated
|Financial strength for pay out|
Strong financial capability
Presence of live chat option
Customer satisfaction rates based on consumers reviews
We compiled customer satisfaction rates from independent institutions, to give you an overall idea of Sheilas' Wheels’s reputation.
|Review organisation||Consumer satisfaction rates for Sheilas' Wheels|
|TrustPilot||3,9/5 based on 2477 opinions|
To check if Sheilas' Wheels is the right car insurance for you, you can use our free car insurance insurance comparison platform and get quotes from main insurance companies in a few seconds only without having to give any personal information.
Do we recommend Sheilas' Wheels car insurance policy?
Sheilas Wheel focuses on providing insurance for women as research has shown that women are safer drivers than men. Sheilas Wheel Insurance is in the same group as Esure. Sheilas Wheel therefore benefits from the financial stronghold and services that Esure offers and some of the services are handled by Esure. The company has good customers reviews from both Defaqto and TrustPilot. The website is easy to navigate and the information provided are well detailed. Insurance extras like handbag cover and child seat cover are provided as added incentives for female drivers. Overall, it is highly recommended.
What does Sheilas' Wheels car insurance policy include?
Sheilas' Wheels proposes different types of policies, let’s look at the features of each insurance policy.
Is Third-party only, third-party fire and theft and comprehensive cover available at Sheilas' Wheels?
Below you’ll find the different levels of cover available (or not) at Sheilas' Wheels for a standard single car insurance.
In general, car insurance falls into three main levels of cover :
|Car insurance policy||Available at Sheilas' Wheels||Coverage in a nutshell|
|Third-Party Fire and Theft|
Keep in mind that you can always take one of those policies and add selected upgrades on top of your basic contract.
What are the extras available at Sheilas' Wheels?
At Sheilas' Wheels, you can choose among different policy upgrades, either already included in your car insurance policy or added as upgrades.
You will find each offer detailed in the below section.
Breakdown cover at Sheilas' Wheels
Sheilas Wheels collaborated with RAC to provide three levels of cover in the case of a breakdown and they include:
- Roadside assistance: this includes unlimited labour at the roadside for the repair of minor mechanical or electrical faults. The driver however has to pay for the parts used in the repairs.
- Roadside assistance and Home rescue: this includes roadside assistance and assistance in the case that the car has broken down close to the driver’s house.
- Roadside assistance, Home rescue and Recovery: it includes roadside assistance, home rescue and national recovery. Also, alternate sources of transportation and accommodation are provided in the case that the fault cannot be rectified immediately.
Keycare cover at Sheilas' Wheels
Sheilas Wheels offers keycare services in the case that your keys were stolen, misplaced, or damaged. The following services are included in the keycare cover:
- Key retrieval in the case that they were locked in the car
- Provision of replacement keys
- Provision of replacement locks
- £200 for the driver and passengers in the case that the car cannot be fixed immediately.
Sheilas Wheels offers up to £500 for keycare cover in the event that the key has been stolen and it can be ascertained that the thief knows where the car is.
Windscreen cover at Sheilas' Wheels
The windscreen cover is available under the comprehensive cover and the following are covered:
- cost of repair or replacement
- cost of repairs for damages done to the body of the vehicle by the broken glass
- recalibration of any Advanced Driver Assistance Systems equipmentthat might have been tampered with as a result of the broken glass.
Motor legal protection at Sheilas' Wheels
The Motor Legal Protection provided by Sheilas Wheel offers up to £100,000 of cover for uninsured losses if you’re involved in a motor accident that is not your fault. This amount covers:
- Access to legal counsel
- 24/7 legal helpline
- Personal injury compensation
- Alternative means of transportation
- Cover for the driver and any named driver on the insurance policy.
Hire vehicle cover at Sheilas' Wheels
Sheilas Wheels provides a courtesy car in the case that the driver’s car has been stolen or is faulty. The substitute car is provided for 21 days. The following are offered with this option:
- Car hire cover for all named drivers on the insurance policy.
Personal policy injury available at Sheilas' Wheels
In the event of death or serious injury, Sheilas Wheels will pay up to £100,000 if the driver is at fault and £30,000 if the driver isn’t.
Below is a breakdown of the personal policy cover that Sheilas Wheels offers and what it covers:
- In the case of a permanent total disablement, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
- In the case that a limb is lost, £100,000 is offered if it was the driver fault and £15,000 if it wasn’t
- If there is loss of sight in one or both eyes, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
- If one or both ears are affected hearing wise, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
- If the speech is affected in an accident, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
- For third degree burns, £100,000 is offered if it was the driver fault and £15,000 if it wasn’t.
What are the different car insurance types available at Sheilas' Wheels?
Besides the three level of cover mentioned above, Sheilas' Wheels also offers different types of insurance to fit everyone’s needs.
|Multi-car or fleet insurance|
|Telematics or black-box policy|
|Classic car insurance|
|Temporary car insurance|
|Learner driver car insurance|
|Business car insurance|
|No Claim Bonus|
You want to know more about this car insurance types? check out our guides!
How much does Sheilas' Wheels car insurance cost?
You might be aware of the fact that there are certain situations where your car insurance policy premium may be drastically high. An example of this case is if you are a young driver.
You’ll find below indicative car insurance quotes at Sheilas' Wheels:
|18 years old||£105,75|
|40 years old||£43,61|
|60 years old||£32,16|
Costs of Sheilas' Wheels insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver’s record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
The higher risk you represent, the more expensive your policy will be.
What are Sheilas' Wheels discounts on car insurance?
You must know that different discounts are often available when you subscribe to a car insurance policy. Whether you are new to the company, a new driver, or you have been driving safely for years, you can often get discount rates to reduce your insurance premium.
Sheilas Wheels offers a 10% discount on the multi car cover option. Cashback vouchers are also available.
|Discounts||A 10% Multi-car discount is available (for each car) for households with more than 1 car.|
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
It is possible to save on your car insurance, check out our 13 tops tips to cut your insurance premiums and start saving!
What are Sheilas' Wheels auto insurance policies detailed?
Sheilas' Wheels multi-car insurance
Sheilas Wheels Multi Car insurance offers the following:
- Multicover insurance for more than one car registered under the same address so long as the owners of the other cars are above 25 years old.
- A 1 year quote promise is offered to customers and is guaranteed if details like address, phone number are not changed in that time frame.
- Individual policies are maintained.
Sheilas' Wheels learner driver car insurance
Sheilas Wheel mainly provides insurance for drivers above 21 but they may be able to insure a new driver under 21 if they are an additional driver on a policy where the main driver is over 21 and has been a Sheilas’ Wheel driver for up to six months.
Sheilas' Wheels coverage abroad
Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.
Sheilas' Wheels No-Claim Bonus (NCB)
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
A driver is eligible to apply for a NCB Bonus if he/she has a good and safe driving history and finally has at least four years without any fault claim. Sheilas Wheels allows for the accumulation of No Claims up to 20 years.
How does a claim affect my No-Claim Bonus?
The no claims bonus is not affected if you’ve claimed for windscreen damage, or emergency treatment fees or if the claim wasn’t your fault.
At Sheilas' Wheels, your NCB will not be affected until a certain limit:
What are Sheilas' Wheels car insurance policy excess and limits?
This table sums-up Sheilas' Wheels car insurance policy excess and limits.
|At Sheilas' Wheels|
|Interest charged by payment installments|
|Uninsured driver NCB benefit||Yes|
|Loss or theft of keys limit||£500|
|Fire excess||cost of damage is covered|
|Theft excess||cost of damage is covered|
|Accidental damage excess||cost of damage is covered|
|Personal belongings limit||amount not stated|
|Audio equipment limit|
|Medical expenses limit|
£200/night at the hospital
|Liability limit for property damage||£20 000 000|
|Legal expense limit||£100,000|
|Windscreen replacement excess||No excess amount is required to make up for the unlimited services|
|Courtesy car benefit|
|Courtesy car limit|
|Driver under 21 excess|
|Coverage abroad limit|
How to contact Sheilas' Wheels auto insurance?
Sheilas' Wheels contact phone number
You will find all important phone numbers to contact Sheilas' Wheels car insurance:
|Contact number||Opening hours|
0345 045 2000
Mon – Fri: 8am – 8pm
0345 045 2000
Mon – Fri: 8am – 8pm
0800 917 4651
Mon – Fri: 8am – 8pm
0345 604 3570
Mon – Fri: 8am – 8pm
0345 604 3553
Mon – Fri: 8am – 8pm
24-hour accident recovery
0345 604 3570
24 hours a day, 7 days a week
What are Sheilas' Wheels contact details?
This contacts will allow you to contact Sheilas' Wheels quickly and efficiently:
|Contact details of Sheilas' Wheels|
|Customer account with Sheilas' Wheels login|
|Social media||Facebook, Twitter|
You can also contact them by mail by writing to Sheilas' Wheels car insurance:
Sheilas wheels Car Insurance
19 Cadogan St,
Glasgow G2 6QQ,
How to claim at Sheilas' Wheels?
You can make a claim online or by calling the claims department at Sheilas’ Wheels.
|Claim by phone|
0345 604 3570
How to cancel Sheilas' Wheels car insurance?
Since car insurance is a legal requirement, Sheilas' Wheels as well as other insurers will renew your contract automatically at the expiry date without any notification from your side.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately.
Before your contract comes to an end, Sheilas' Wheels must send you a renewal notice within 14 to 21 days before the anniversary date of your contract.
After sending you the renewal notice, they will automatically renew your insurance contract. You will therefore have 14 days (what we call the cooling off period), to cancel the new contract at reduced cancellation fees.
Other fees may apply if you make some alterations to your contract or if certain events occur during your contract’s operation.
The table below provides more details on modification and cancellation fees charged at Sheilas' Wheels:
Cancellation fees during cooling off period : £26
Adjustment fee: £26
|Cancel by phone|
0345 604 3550
You would need to have various documents ready such as your policy number (right hand corner of your documents), your bank details, and your payment method in case there are cancellation fees.
Sheilas' Wheels could also refuse to cover your car any longer if you don’t pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.