Today, acquisition of electric cars seems to be a very popular alternative for individuals. In order to switch to green mobility, many people actually choose this solution. less polluting for the environment. Obviously, having a vehicle comes with certain obligations, including insurance. What do you need to know about this? Here are some answers.
Is electric car insurance compulsory? ?
Like any motor vehicle, the electric car must be insured. This legal obligation concerns at least the signing of a liability insurance. This one, with the nickname “ third party insurance », covers material, bodily and immaterial damage that you may cause to third parties. Thus, in the event of an accident at the wheel of your electric car, any related damage (inflicted on a pedestrian, a passenger, another car, public or private property) will be covered by the insurance company.
However, if you are injured or your vehicle is damaged, these aspects will not be covered.no compensation. Therefore, it is recommended to choose more comprehensive guarantees for the insurance of an electric car. This is especially the case with formula “ all risks » which includes fire, damage in all incidents, glass breakage and theft cover.
The special case of LOA
For people who prefer an LOA purchase (rental with option to buy), the minimum insurance required of landlords generally relates to the “all risks” formula. This requirement is justified by the characteristics of the lease with a purchase option. With this choice, individuals can actually:
- the use new electric car without seeing the real acquisition costs (the individual just pays a monthly rent)
- include various costs in the rent, etc low savings (maintenance, insurance, possible contribution to disposal of the vehicle at the end of the contract, etc.).
- return the car at the end of the contract (rent another brand new one if necessary)
Therefore, manufacturers or other companies that offer this kind of offer prefer to be considerate in terms of insurance. You have to say that despite the many aids available to accompany the purchase of electric cars, individuals increasingly prefer LOA purchases. This is due to the mentioned advantages.
Does electric car insurance cost less? ?
In general, the rates for insuring an electric car are cheaper than for one thermal vehicle insurance, petrol or diesel. The first reason for this situation is the insurance companies’ desire to encourage the acquisition of ecological means of transport. The electric car, with no CO2 emissions, meets this profile in particular. It goes without saying that various financial exceptions accompany its use.
Various statistics also reveal that electric cars are less exposed to traffic accidents due to shorter distances covered than with other vehicles. This, in turn, is an asset that pushes insurance companies to offer attractive bonuses, reductions or checks to policyholders for electric cars.
How to find the best insurance deal ?
To find an insurance offer worthy of interest, it is important to follow a very specific method, in particular:
- The use offers compare ;
- Adopt some best practices.
Use an offer comparator
Using a comparator seems to be very useful in finding one satisfactory contract. This is a tool available on several websites that perform analysis to offer you offers adapted to your budget as well as your needs. To do this, it depends on criteria such as available guarantees, deductibles, general and specific conditions, level of coverage, etc.
Adopt some good habits
In addition to the use of the offer comparator, it remains important to adopt some good habits to make sure to lower the insurance premium and save money on his contract. This practice applies both to electric car users and to any other driver profile. We distinguish:
- The possibility of accompanied driving;
- contract renegotiation;
- The abstraction of minor injury reporting.
Choose accompanied driving
This practice is primarily intended for young drivers. In fact, the insurance premium for these profiles is generally higher than for other categories of drivers due to a high risk of accidents. The choice of accompanied driving therefore makes it possible to reassure the insurance companies for one premium reduction.
Renegotiate your contract
With electric cars, the risk of accidents is reduced (limited speed, short travel distances, etc.). Also, if you are a careful driver, you can reach the deadlines of your insurance contracts without loss. At each deadline you can ask for discounts on the next contract due to the accident-free year. There are actually benefits reserved for good drivers. Use these assets to take advantage of an interesting offer.
Do not report minor injuries
Not all accidents must be reported to your insurance company. In fact, insurance companies estimate the level of risk they take on your contract through your statements and increase the premium accordingly. Reporting all claims will therefore undoubtedly lead to an increase in your fine and, by extension, your contributions. That would be better fail to report certain cases especially those for which you can quickly settle for the victim.