Monday to Friday 9am - 12.30pm - 2pm - 7pm
Specific features of electric car insurance
In the case of an electric car, there are certain characteristics specific to electric mobility when it comes to car insurance.
Compared to a thermal vehiclethe cost of electric car maintenance will be much lower, given the low number of parts subject to wear.
Certain components and technical specifications, such as the gearbox, clutch and oil change, no longer exist on electric cars, making maintenance considerably easier and cheaper.
Other elements and options of your insurance contract will be specific to electric vehicles:
- 0 kilometre electric breakdown assistance,
- the towing of your electric car to the nearest charging point nearest to it,
- increased compensation cover in the event of fire,
- cover for any electrical damage caused by recharging your electric vehicle.
Cheaper car insurance for electric cars
It should also be noted that the cost of car insurance for electric cars is generally less important than for a combustion engine vehicle.
According to a study by the insurance comparison firm LesFurets between 2019 and 2021, the average price of car insurance for an internal combustion engine car is €534 compared with €405 for car insurance for an electric car.
This financial difference can also be explained by the difference in usage, as electric cars are often used for shorter, less accident-prone journeys, which means that electric models can be used for longer journeys. represent a lower risk and therefore an amount of insurance weaker.
This lower cost can also be explained by the reduced wear and tear on parts the differences in components between internal combustion and electric vehiclesand the fact that electric cars require less frequent maintenance.
In fact, if a combustion engine vehicle is involved in an accident, it will usually be accompanied by the replacement of a large number of expensive worn parts linked to the combustion engine. In comparison, with electric vehicles, only the battery electric is really damaging and risky when it comes to accidents.
It's a good idea to ask insurers about the cover they offer for your electric car battery in the event of an accident.
Read also : Comparison: the electric car or the combustion engine car?
It's also worth noting that, logically, the higher the purchase price of the electric car you own, the higher the price of its insurance will also be. So insuring a Electric SUV such as a Audi e-tron will represent a relatively higher cost than for a small electric city car such as the Renault Twingo E-Tech.
You would like toto electric?
Beev offers multi-brand 100% electric vehicles at the best prices, as well as recharging solutions.
Reducing the cost of electric car insurance
Now that you know all the specifics of insuring your electric vehicle, you should be aware that it is also possible to negotiate your insurance contract for your electric car.
Define your car insurance needs
First and foremost, you need to be clear about what you want from your car insurance. Once you have fully defined expectationsThis will make it easier to find the insurance that's right for you, and then save on the cost of your insurance.
Read also : Electric car insurance: all the information
Use a car insurance comparator
A good way of finding the best possible deal on car insurance for your electric car is to use a car insurance comparison service. First of all, this will enable you to compare the different insurance products on offer on the market so you can choose the one that best suits your needs and budget.
Using a car insurance comparator will also allow you to filter your search according to precise criteria, which will prevent you from being steered towards insurance offers that are unsuitable for your situation. What's more, the car insurance comparator will be a good way of assessing in advance the room for negotiation on each of the insurances available.
From now on, the introduction of Hamon lawThe Consumer Act, which came into force on 1 January 2015, makes it possible to make it easier to cancel your car insurance. It is now possible to cancel your car insurance contract at any time, without any conditions or justification, at the end of your first year.
Make the most of your status as a driver
When you take out your policy, you can show your insurer that you are an experienced driver. To do this, you can send proof that you have never had an accident on the road, for example. This will make it easier for your insurer to trust you and potentially offer you a better price for your electric car insurance.
In addition, of course, it is still essential to give priority to driving secure and prudent on a daily basis to reduce the risk of road accidents and potential damage to your electric car, which would mean high additional repair and maintenance costs.
On the other hand, if you are still a young driver, negotiating an insurance contract may prove more difficult. A young driver who has only been driving for a short time is less likely to be able to prove that he or she is a serious driver. What's more, young drivers are often regarded as inexperienced and potentially more likely to be the cause of road accidents.
Wherever possible, it is therefore more attractive for young drivers to drive the family electric vehicle, rather than invest in their own, which would result in expensive car insurance.
Read also : Young driver insurance: how do you make the right choice?
Using your electric car
How you use your electric car will also have an impact on the cost of your car insurance. The nature of your daily journeys will affect your risk quotient and the greater or lesser likelihood of road accidents.
So if you use your electric vehicle mainly for short journeys between home and work on city roads, this will be a considerable advantage when negotiating your car insurance.
In this configuration, the risk of potential accidents remains fairly low, which makes you a low-risk profile, of much less concern to the insurer, potentially allowing you to revise the amount of your car insurance downwards.
If you only use your electric car relatively occasionally, it may also be a good idea to opt for a per-kilometre car insurance. Originating in the Anglo-Saxon countries, this type of car insurance, also known as "Pay as you drive"(PAYD), has been emerging in France for several years now. This type of insurance allows you to pay only the amount corresponding to the number of kilometres driven per year, at a lower cost than traditional cover.
On the other hand, if you frequently use your electric car for long-distance journeys, while combining private and professional use of your electric vehicle, then the risk of accidents may increase tenfold, which will also weigh on the amount of your car insurance. In this case too, it's up to you to demonstrate your experience as a driver and your serious driving to reduce your insurer's fears.
Reviewing your car insurance
In addition, you should know that it is possible to revise your insurance, for example, if you wish to extend your current cover or, on the contrary, reduce it for financial reasons. If your needs have changed since you took out your insurance, you can always modify the conditions of the contract, for example by removing or adding options, so that it can be renegotiated if necessary.
So, if you no longer use your electric car in the same way as when you took out your insurance, it's worth thinking about revising it to avoid unnecessary extra costs. If you now use your electric vehicle more sparingly, or even only occasionally, and it stays in your garage most of the time, it may not be necessary to maintain full cover with comprehensive motor insurance. It may make more sense for you to reduce the cover on your electric carin proportion to the use you make of it.
Similarly, if you have owned your electric car for several yearsHowever, it is possible that its value has declined over time and that it is now less highly rated. In this case, it is also possible for you to reduce the amount of your insurance so that it is adapted to the current condition of your vehicle.
In conclusion
You now know that it's possible to make savings on car insurance for an electric car. To do this, you first need to find out about the specific features of electric vehicle insurance.
Your risk profile as a driver will also be an important lever for successfully negotiating your car insurance. It will be interesting to be able to prove your experience and the seriousness of your driving, and thus review the amount of your insurance policy at a lower rate.
In addition, you need to make sure that your current cover is adapted to the frequency with which you use your electric car and the distances you cover. If this is not the case, you are free to ask for a review of your car insurance to reduce the cover or the options associated with it in order to reduce its cost.
Applying these tips will enable you to reduce the cost of car insurance for your electric car and prevent it from becoming too large a financial investment.
For more information, we've put together a guide to this topic to explore the different aspects in depth:
Read our article about :
