Sheilas' Wheels Car Insurance Review and Quotes

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 Detailed and well answered FAQ’s Self service options are available online
Cover provided		90 days cover in Europe included as standard on both cover options offered £100 is provided for to replace the child car seat The insurance company is mostly women focused and therefore provides specific women extras (handbag cover etc.) £500 keycare cover is provided with the comprehensive cover only in the case that the keys were stolen No third party only cover is offered
Value for money		Up to 20 years of No Claims Discount can be accumulated Repair work is guaranteed for 5 years on every cover 10% multi-car discount is provided
Financial strength for pay out		Strong financial capability
Technology		Presence of live chat option User friendly website which can be easily navigated No Black Box option or app is available

Safe rating for Sheilas' Wheels

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.

defaqto 5 stars — Consumer satisfaction rates on reviews for Sheilas' Wheels

Review organisation	Consumer satisfaction rates for Sheilas' Wheels
Defaqto expert
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.

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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 Only		Passengers and third party covered Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft		Replacement of your car if stolen Damages caused due to theft or fire
Comprehensive		Cover third-party fire and theft Covers injuries to you and damages to your car

Car insurance level of cover available at Sheilas' Wheels

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.

	Availability
Multi-car or fleet insurance
Telematics or black-box policy
Classic car insurance
Temporary car insurance
Learner driver car insurance
Coverage abroad
Business car insurance
Van insurance
No Claim Bonus

Insurance types available at Sheilas' Wheels

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:

Drivers’age	Monthly premium
18 years old	£105,75
40 years old	£43,61
60 years old	£32,16

Quotes above are for a comprehensive car insurance – eco car, clean record driver, Liverpool

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.

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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.

Discount types	Comment
Discounts	A 10% Multi-car discount is available (for each car) for households with more than 1 car.

Discounts and cashbacks available at Sheilas' Wheels

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	27.90%
NCB benefit	No
Uninsured driver NCB benefit	Yes
Renewal fees	£0
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	No
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	As standard
Courtesy car limit	21 days
Driver under 21 excess	no
Coverage abroad limit	90 days

Excess and limits at Sheilas' Wheels

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
Customer Service	0345 045 2000	Mon – Fri: 8am – 8pm Sat: 9am – 5pm Sun: 9am – 2pm
Quotes	0345 045 2000	Mon – Fri: 8am – 8pm Sat: 9am – 5pm Sun: 9am – 2pm
Multicar sales	0800 917 4651	Mon – Fri: 8am – 8pm Sat: 9am – 5pm Sun: 9am – 2pm
Claims	0345 604 3570	Mon – Fri: 8am – 8pm Sat: 9am – 5pm Sun: Closed
Renewal	0345 604 3553	Mon – Fri: 8am – 8pm Sat: 9am – 5pm Sun: 9am – 2pm
24-hour accident recovery	0345 604 3570	24 hours a day, 7 days a week

Contact numbers at Sheilas' Wheels

What are Sheilas' Wheels contact details?

This contacts will allow you to contact Sheilas' Wheels quickly and efficiently:

	Contact details of Sheilas' Wheels
Email address	[email protected]
Customer account with Sheilas' Wheels login	My Account
Social media	Facebook, Twitter
Chatbot	Yes

Contact details at Sheilas' Wheels

You can also contact them by mail by writing to Sheilas' Wheels car insurance:

Sheilas wheels Car Insurance
19 Cadogan St,
Glasgow G2 6QQ,
United Kingdom

How to claim at Sheilas' Wheels?

You can make a claim online or by calling the claims department at Sheilas’ Wheels.

Service	Car claim
Claim online	Online claim form through MyAccount
Claim by phone	0345 604 3570

Claim process at Sheilas' Wheels

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:

	Administrative fees
Cancellation fees	Cancellation fees during cooling off period : £26 Cancellation fees outside cooling off period : £60
Modification fees	Adjustment fee: £26
Cancel by phone	0345 604 3550

Cancellation and modification fees at Sheilas' Wheels

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’.