Choose the right insurance for your electric car
Do you already have an electric car or are you considering purchasing one? Then also take a look at the insurance. It is obvious that if you opt for a third-party liability insurance with full comprehensive cover (all-risk), all damage is covered. Also the expensive battery. However, there is special car insurance for the EV, so you can be sure that everything is covered without having to pay a high premium.
It is only logical that you properly insure a new car, not to mention the fact that third-party liability insurance is legally required. As a consumer you have plenty of choice when it comes to insurance. Do you want to take more risks or do you prefer maximum security? An electric car is usually more expensive to purchase and weighs more, which is reflected in the premium. But is that insurance otherwise the same as that of a car with a combustion engine?
Make sure you insure the battery and charging cables
The high purchase price of an EV is largely determined by the battery, which is an expensive part. It may also be the case that the battery does not belong to the car, but is rented, in which case the list price of the car will be lower. Insure a rented battery with the owner or lessor. This is not covered by the Interpolis car insurance. And then there is the charging cable itself and perhaps other charging cables to charge at a regular socket, for example. Unnoticed, there is more than €500 in the trunk or frunk. Standard car insurance often does not cover these types of matters. Yes, with insurance that has been specifically put together for an EV.
The added value of electric car insurance
As the owner of an electric car, you are free to choose which insurance policy you choose. However, it is wise to opt for car insurance that is tailored to an EV and to pay close attention to whether everything is really covered. There is even special roadside assistance for an EV that has an empty battery. Then transport to the final destination or a charging point nearby is well arranged. The Interpolis electric car insurance is such an insurance that offers a solution.
Another advantage: The damage experts are specialized in electrical engineering. This means that these companies are trained for the repair of electric and hybrid cars. Please note: If you insure your electric car, always check whether your car is SCM/CCV approved. This shows whether your car and locks are sufficiently protected against theft. This is not the case with all electric vehicles, but it is a condition for insurers.
Important points for electric car insurance
- Until what year will the new value be paid out?
- Are all accessories included in the insurance?
- How high is the deductible?
- Can I insure the no-claim discount?
- Do I receive roadside assistance if my (drive) battery is empty?
- Is the battery also insured?
Do I have to insure a wallbox or charging station separately?
How the charging station is insured depends on how it is attached. You can insure a charging station that is attached to your home with home insurance. You can insure a separate charging station with home contents insurance.
Find out more about Interpolis’ electric car insurance here.
– Thanks for information from Autoweek.nl