If you have previously been banned or currently have lots of penalty points you can still get insurance but most likely at a higher rate.
In Most cases you cannot build up any No Claims Bonus by being a named driver on someone else's policy. Check for the exceptions, there are a few.
It's estimated that uninsured drivers add on average £30 to your car insurance policy. Make sure you tell your womens direct line cheap car insurance everything they need to ensure you are fully protected. A saving now, may cost you dear in the future.
You can reduce the risk of theft by parking off road on your driveway or garage,. Most insurers will offer up to a 5% discount if you do so. There are some insurers who claim to not inflate your premium due to where your vehicle is parked, but this may be subject to post code area.
Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
