If you buy an electric car, you must of course insure it. But how much does it actually cost to insure an electric car?
Every car that drives on the road must be insured. That makes sense if you have an accident with someone. But of course things can also happen that you do not count on, but for which you also want to avoid the bill. For example, that pole in the parking lot. How much does it actually cost to insure an electric car? What should you keep in mind when taking out car insurance?
Choice when insuring an electric car
Just like with a ‘traditional’ car, you have the choice with an electric car to insure it third-party, third-party Casco or all-risk. Since you will usually be driving a new or fairly young electric car, an all-risk insurance policy will be the obvious choice. Still, it’s good to think about this choice for a while, because if you decide to choose less coverage, you can get the first savings. Do realize that if you cause an accident or get a break-in, you have to bear the costs yourself if, for example, you hit a pole yourself and you are limited to WA-Casco coverage.
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Insuring an electric car is often more expensive
Insuring an electric car is often more expensive than a petrol or diesel car. That has a clear cause. Many insurance policies base the premium on two factors, namely the weight of the car and the list price. And let it often be higher with an electric car than with a car with a combustion engine. But don’t let that stop you, other costs of an electric car are often lower.
It pays to compare
The price of car insurance differs on several factors. Think of your own age, the place or province where you live and of course the damage history. In addition, insurance companies differ in terms of conditions, options and therefore the premiums. So feel free to compare a number of insurers or go to a comparison site.
One more tip. Are you a member of the ANWB? Then it is worth checking the car insurance of this organization. With a longer membership you can build up a nice extra discount when insuring an electric car. You can of course easy checkâ€
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Private lease as an option
Another option to spread the costs is private lease. This can be attractive to you, for example, because of the more favorable purchase of cars and insurance. After all: the purchase price is included in the lease price, just like insurance and maintenance, just to name a few. If you want to know what your car will cost under a private lease, take a look at the AutoWeek Private lease comparator.
– Thanks for information from Autoweek.nl