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specifically for lady drivers. Along with the traditional coverage that provides financial protection for all cars, such policies include features like handbag insurance, which cover the policyholder's handbag and its contents if stolen while driving the insured vehicle.The special services in this policy include ladies breakdown recovery, wherein the insurance company not only compensates for the breakdown but takes responsibility to locate the car and send help at the required destination.A 24 hour emergency helpline is another added advantage. Women's car insurance often gives cover for overnight accommodation if the car breaks down in a secluded region. In India, however, such highly customized products are a far cry.Until now only LIC and Bajaj Allianz and Birla Sun Life in the private insurance sector have insurance products tailor made for women. However, a clutch of private sector players such as Star Union Dai ichi, Reliance Life Insurance, Future Generali Life Insurance and TATA AIG have fathomed the potential for women specific insurance products and are believed to be launching such products by the end of 2009.Micro insurance initiatives taken up by several NGOs are also catering to women in rural India. These can't be categorized as women only products as they provide coverage for failed crops, loss of crop or cattle, accident and health. There is a definite client base among women for the same.According to insurance sector experts, insurers earlier shied away from specific products for women because women have more complex health needs than men and in addition need