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More and more people are buying an electric vehicle for private or business purposes. E-scooters are particularly inexpensive to insure, but there are also significantly more favorable conditions for e-cars than car insurance for petrol or diesel. The purchase of a new electric car is also cost-effective, because the state offers a variety of subsidies as well as monetary benefits in terms of taxes.
Finding the best insurance for the electric car: practical tips
At a E-car When it comes to insurance, you can basically choose whether you want partial or fully comprehensive coverage. A fully comprehensive car insurance is generally recommended for new vehicles, as this covers more damage than partial comprehensive insurance, for example damage caused by vandalism or defects in your own e-car caused by an accident caused by the driver himself. A partially comprehensive car insurance only pays the damage to the other party. In the case of electric vehicles, there is also the special feature that defects can occur not only on the vehicle itself, but also on the battery, a wallbox in the home garage or through cables during individual charging processes.
What additional services does a good insurance for e-cars need?
If the car battery on the electric vehicle breaks down, your own mobility is temporarily severely restricted. With an optimal insurance policy for electric cars, as it is available via AdmiralDirekt, the battery is included in the covered scope of services as well as damage to the charging station at home or defects caused by charging cables. In order to avoid unnecessarily high costs for the policyholder in the event of a claim, the deductible for car insurance for e-vehicles can be set to 0. In this case, however, the contributions increase. With many car insurance companies, the optimal balance seems to be a low deductible in the event of damage, but the annual premium shrinks if a policyholder is already able to finance up to 500 euros or more out of his own pocket in the event of an accident.
Save costs on insurance for the new electric car with SF
The cheapest insurer for the new e-car can be found quickly on comparison portals on the Internet. However, it is important not only to pay attention to the contribution amount. Rather, the range of services offered by the various car insurers should be compared so that there are no unpleasant surprises in the event of damage. The annual premium for car insurance is significantly lower the longer you have been driving without an accident. This no-claims class influences the insurance premium every year and ensures a lower premium. However, if the insurance pays in the event of an accident, the vehicle owner is upgraded to the SF and has to prove himself again.
If you register your own vehicle in your own name for the first time, regardless of whether it is powered by diesel, gasoline or an electric motor, you will automatically start in the highest damage-free class (1) and pay 100% of the insurance premium. After a year without an accident, the vehicle owner increases to SF2 and saves 15% of the annual fee for the electric car. After 46 - 50 accident-free years (SF 46 - 50) only around 17% of the car insurance fee has to be paid. The other way around, however, significantly higher insurance amounts can be due if claims have to be settled by the car insurance company in the first year. There is a maximum insurance premium of 240-280% in the lowest damage-free class SF M (malus class). For this, however, a car accident must be caused by a novice driver during the probationary period.
This makes car insurance for e-cars even cheaper
The annual contribution to be paid can be kept low with a high deductible in the event of damage. The car insurance is also cheaper if only one driver from the age of 25 will drive the electric car. If there is a protective garage, the insurance premium is reduced and the annual mileage also has a positive effect on the insurance premium. Many car insurers also have individual offers for everything to do with electromobility, which can also be used in favor of the lowest possible insurance premium.