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Electric Car Insurance

With electric cars becoming increasingly common, insurers are starting to offer policies specifically tailored to the needs of EV owners.

Owners of Electric Cars have more to worry about than those of regular vehicles. For instance, charging cables and adapters can be expensive, many owners want a car insurance policy that provides cover for theft and accidental damage. Owners also worry about their liability if someone was to trip over their cable whilst recharging.

Is Electric Car Insurance more Expensive?

As EVs have become increasingly common on UK roads, research from various organisations suggests insurance premiums have become broadly similar to those for equivalent petrol and diesel models.

This is no doubt partly because insurers have access to increasing amounts of data with regard to things like average repair costs. So insurers are now able to price with increased certainty, rather than building in a buffer to allow for unknown repair costs. As more and more repair centres become familiar with EVs no doubt the average cost of repair will continue to improve.

Do I Need Specialist Cover?

Whilst there are a number of brands and products catering specifically to the needs of electric car drivers, you certainly don't have to buy one of these policies.

As always, it pays to look at policies from mainstream and specialist providers, and choose the best option for you based on your needs and budget.

Tips for Electric Vehicle Insurance

Choose the right cover

Make sure the policy you choose covers your needs. If your battery is leased, make sure your provider is happy with this. Likewise, if you want cover for your charging cable make sure this is included.

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras make sense for electric cars, like cover for charging cables, don't pay extra for cover you won't use. Don't forget you can often save money with stand-alone breakdown cover.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their car insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier driving habits.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Car Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What are you looking to cover, the vehicle, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft? Do you want Protected No Claims Bonus or not?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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