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Types of insurance and cover for electric cars
There are several types of cover available when you hit the road. Whether you're looking for basic protection or maximum security, understanding these different options will help you choose the best insurance for your vehicle. electric vehicle.
It should be noted that insurers do not specifically offer cover for electric cars. However, certain types of insurance are recommended for owners of these vehicles for better protection.
What's more, when selecting a contract, make sure it includes a guarantee for battery. This component is crucial to the smooth running of the vehicle. In the event of malfunctions or breakdowns, the insurance company can offer to replace or repair it.
All-risk insurance
All-risk insurance offers a complete range of cover for the driver and his vehicle. This is the the most secure formula available on the marketThis makes it particularly suitable if you've just bought a new electric car.
Here's what comprehensive insurance offers:
- Assistance,
- Terrorism cover,
- Glass breakage cover,
- Driver's guarantee,
- Natural disasters cover,
- All-accident cover,
- Technological disaster cover,
- Theft / fire / forces of nature cover.
This type of insurance offers comprehensive protection and peace of mind. Whether you are at fault or not, whether the third party is identified or not, this type of insurance provides extensive cover for both you and your vehicle in the event of a claim.
What's more, this type of insurance gives you access to 0 km assistance guarantee. This guarantee aims to intervene on site in the event of a breakdown or tow your vehicle to the nearest partner garageregardless of the location of the fault.
Worth noting Without this cover, assistance from your insurer is only available if the breakdown occurs more than 50 km from your home.
In fact, the 0 km assistance guarantee is particularly attractive. useful in the event of a battery failure and that no charging point is nearby. This guarantee covers the repair or replacement of battery replacement. In addition, cover is also provided for material damage resulting from electrical problems.
It may also be available as an option in other packages. However, it is important to note that not all insurers offer it as part of third-party cover, or for older vehicles.
Third-party insurance
Third-party insurance only covers damage caused to third parties (a passer-by, an additional driver, a cyclist, an occupant of the vehicle...) in the event of an accident for which you are responsibleThis type of insurance is also known as comprehensive insurance. This form of insurance is also known as civil liability.
N.B. All vehicles on the road in France must be insured for third-party liability (compulsory under Article L211-4 of the French Insurance Code).
In short, third-party insurance is the minimum requiredThis mainly covers civil liability and offers basic protection in the event of an accident.
In the event of an accident for which you are responsible, you will be liable for the costs relating to :
- the repair of your vehicle,
- to personal injury,
- and assistance services.
Third-party insurance may be an option in certain circumstances, particularly for drivers with limited budgetsThis is particularly important for young drivers or those with a history of claims. But that's not all: if your car is no longer brand new, switching to third-party insurance can be advantageous, as compensation in the event of a loss may be lower than the premiums for comprehensive insurance.
💡Did you know? The value of a car falls considerably over time, dropping by around 75 % after ten years.
Extended third-party insurance
Extended third-party insurance, also known as intermediary insurance, offers extension of third-party cover without the high cost of comprehensive insurance.
This option may be referred to differently by different car insurers, such as :
- Third-party plus insurance,
- Intermediary insurance,
- Extended third-party insurance,
- Third-party comfort insurance,
- Improved third-party insurance.
Most extended third-party policies retain the essential guarantees of the insurance while adding cover for material risks:
- La fire insurance (fire or explosions),
- La theft cover (vehicle theft or attempted break-in),
- La glass breakage cover (accident or act of vandalism),
- La guarantee natural disaster (hail, landslides, avalanches or floods).
All in all, this type of insurance offers good value for money.
Per-kilometre insurance
Per-kilometre insurance is designed for drivers who do a lot of driving. low annual mileage. These formulas enable you to save money while guaranteeing the same cover in the event of a claim as traditional insurance.
There are various pay-per-kilometre insurance options:
- payment by mileage via a GPS box,
- connected insurance to suit your driving style,
- packages based on the number of kilometres travelled (less than 5,000 km or 8,000 km in most cases).
This type of insurance allows the premium to be paid according to mileage, making it more advantageous for occasional drivers than traditional car insurance.
However, you must be careful not to exceed the number of kilometres stipulated in the contract to avoid an increase in the premium.
Summary table of the 4 types of insurance and cover for electric cars
| Type of insurance | Main covers | Benefits | Recommended for |
|---|---|---|---|
| All risks | - Assistance - Guarantee against terrorist attacks - Glass breakage - Driver's guarantee - Natural disasters - All-accident damage - Technological disasters - Theft / fire / forces of nature |
- Complete protection - Peace of mind - 0 km assistance available |
- New vehicles - Homeowners looking for maximum security |
| One third | - Civil liability (damage caused to third parties) | - Minimum legal cover - Less expensive |
- Drivers on a budget - Young drivers - Vintage vehicles |
| Extended third party | - Third party guarantees - Fire - Theft - Ice breakage - Natural disasters |
- Good value for money - More guarantees than single third party |
- Drivers looking for a compromise between cost and cover |
| Per kilometre | - Varies according to package - Based on mileage driven |
- Low mileage savings - Adapted to real-life use |
- Occasional drivers - Low annual mileage |
The annual cost of electric vehicle insurance
The estimated annual cost forInsurance cover for an electric car varies from around €400 for third-party cover to an average of €600 for comprehensive cover..
At present, theThe average annual cost of insuring an electric car is €550.According to an insurance comparator, all-risk plans predominate at 93 %.
By contrast, insuring a combustion-powered car costs an average of €650 a year. This is in stark contrast to the cost of purchasing or buying a car. leasing an electric car which can be expensive, unlike its polluting counterpart. What's more, we also have aid for the purchase of an electric car.
💡Good to know Electric vehicle insurance is exempt from the Special Tax on Insurance Agreements (TSCA) until 31 December 2024, according to the 2024 Finance Act.
However, the prices set out above vary according to a wide range of factors, which we'll look at in a moment.
Factors affecting the price of your insurance
Why is your neighbour paying less than you to insure his electric car? A mystery? Not really! The price of your car insurance depends on many factors, some of which are specific to electric cars.
Here are a few examples:
- the age of the vehicle,
- new or used car,
- the nature of the vehicle's use,
- the type and power of the car,
- where the vehicle is parked,
- the driver's geographical location,
- the driver's profile (new driver, experienced driver, etc.),
- the driver's driving history (including bonus-malus coefficient).
So, to find the best insurance for your electric car and your budget, it's essential to take all these factors into account and use the services of an insurance broker. insurance comparator.
This service allows you to quickly compare quotes from different insurance companiesBy providing precise details, you can receive personalised quotes and compare the rates of several companies in order to select the best option. By providing precise details, you can receive personalised quotes and compare the rates of several companies to select the best option.
Practical advice The best way to optimise your insurance costs is to equip yourself with an electric car fitted with safety features to reduce your risks (collision warning, cruise control, sentry mode if you have an electric car, etc.). Tesla...).
You may also be interested in this article: How can electric cars improve employee safety?
Which electric car models don't cost a lot to insure?
Initially, the electric city cars generally offer less expensive insurance compared with Electric SUVs for example, for two main reasons:
- Modest power, as it is suited to the city (minimising the risk of major accidents),
- Relatively inexpensive maintenance (have standard parts and easy access to mechanical components due to their compact size).
For example, we have the Renault Zoe e-Techthe Dacia Springthe Peugeot e-208 or the Nissan Leafwhich stand out for their affordable insurance premiums offered by the companies.
Conclusion:
Insurance no longer holds any secrets for you. You know the key models to choose for affordable insurance, the types of cover available and how rates work.
By opting for models equipped with advanced safety features, not only can you reduce the risk of accidents, but you can also benefit from more affordable insurance premiums. Nevertheless, it's essential to understand the different options available on the market so you can choose the model best suited to your needs and budget.
Stay tuned, the electric adventure continues on Beev !
