Nowadays, the acquisition of electric cars appears to be a very popular alternative for individuals. Indeed, in order to switch to green mobility, many choose this solution. less polluting for the environment. Obviously, having a vehicle implies certain obligations, including that of 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 subscription of a liability insurance. This one, nicknamed “ third party insurance », covers material, bodily and immaterial damage that you may cause to a third party. Thus, in the event of an accident at the wheel of your electric car, any related damage (carried on a pedestrian, a passenger, another car, public or private property) will be covered by the insurer.
However, if you are injured or your vehicle is damaged, these aspects will not be covered.no compensation. This is why it is recommended to choose more extensive guarantees for the insurance of an electric car. This is particularly the case with the formula “ all risks » which includes fire, all-incident damage, glass breakage and theft coverage.
The special case of the LOA
For people who prefer an LOA acquisition (rental with option to buy), the minimum insurance required by landlords generally concerns the “all risks” formula. This level of requirement is justified by the characteristics of the rental contract with purchase option. Indeed, with this choice, individuals can:
- use a new electric vehicle without facing the real acquisition expenses (the individual just pays a monthly rent)
- include various costs in the rent in order to make savings (maintenance, insurance, possible contribution to dispose 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)
Thus, manufacturers or other establishments that offer this kind of offer prefer to be considerate in terms of insurance. It must be said that despite the many aids available to accompany the purchase of electric cars, individuals increasingly prefer LOA acquisition. This is due to the advantages mentioned.
Does electric car insurance cost less? ?
In general, the rates for insuring an electric car are cheaper than those for a thermal vehicle insurance, petrol or diesel. The first reason underlying this state of affairs is the desire of insurance companies to encourage the acquisition of ecological means of transport. The electric car, with no CO2 emissions, particularly meets this profile. It goes without saying that various financial exemptions accompany its use.
Also, various statistics reveal that electric cars are less prone to traffic accidents due to the shorter distances traveled than with other vehicles. This is again an asset that pushes insurance companies to offer attractive bonuses, reductions or checks to insurance policyholders for electric cars.
How to find the best insurance contract ?
To find an insurance offer worthy of interest, it is important to follow a very specific methodology, in particular:
- Use a offer comparator ;
- Adopt some best practices.
Use an offer comparator
Using a comparator appears to be very useful for finding a satisfactory contract. This is a tool available on several websites that performs analyzes to offer you the offers adapted to your budget as well as your needs. To do this, it relies 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. These practices apply both to electric car users and to any other driver profile. We distinguish :
- The accompanied driving option;
- contract renegotiation;
- The abstraction of reporting small claims.
Opt for accompanied driving
This practice is intended primarily for young drivers. Indeed, the insurance premium for these profiles is generally higher than with other categories of drivers because of a high risk of accident. Opting for accompanied driving therefore makes it possible to reassure insurers for a 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 because of the accident-free year. Indeed, there are advantages reserved for good drivers. Use these assets to benefit from an interesting offer.
Do not report small claims
Not all accidents need to be declared to your insurer. Indeed, insurance companies estimate the level of risk they take for your contract through your statements and increase the premium accordingly. Thus, declaring all claims will undoubtedly lead to an increase in your penalty and, by extension, your contributions. It would be better refrain from reporting certain cases especially those for which you can settle quickly with the victim.