You have decided to embark on the electric adventure and need to insure your new vehicle. How to choose your insurance contract for your electric car? What are the advantages and disadvantages of the electric car? How to select your guarantees? What points of vigilance? We give you the keys to drive electric with confidence.
SUMMARY
- The electric car, an increasingly popular choice
- Electric vehicle: advantages and disadvantages
- Insuring an electric car: which auto contract to choose?
- A few points to watch out for when taking out car insurance
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| What insurance for my electric car? |
The electric car, an increasingly popular choice
Even if it remains very much in the minority compared to internal combustion cars, electric vehicles are constantly progressing and this can be measured at the charging stations open to the public. The state has pledged to install 7 million by 2030.
Electric vehicle: advantages and disadvantages
The electric car combines softness and ecology
Owning an electric car has certain advantages:
- Pleasant and quiet ride
- Less expensive maintenance (no draining, no filter)
- Clean vehicle that does not emit CO2 into the atmosphere
- One downside: autonomy to be improved.
The major obstacle to the purchase of an electric car is autonomy . It is between 100 and 150 km for the majority of models, with theoretical peaks at 400 km for some. The other problem is the charging time : half an hour on a fast terminal, but several hours on a domestic outlet.
- Namely:
Electric vehicles can be sold with a battery included or rented. In the latter case, the purchase cost of the vehicle is lower but you must pay monthly rent. Learn more about the advantages of the electric car.
Insuring an electric car: which auto contract to choose?
As is the case for combustion engine cars, the Civil Liability guarantee is the only guarantee required by law to be able to drive. It covers damage caused to others during a responsible accident, whether bodily or material. It is systematically included in all third-party insurance.
Comprehensive insurance provides comprehensive protection. It covers your property damage whether or not you are responsible.
- Vigilance point on the battery
Comprehensive insurance is particularly recommended for electric vehicles, especially if you rent the battery . In the event of an accident, if the battery is damaged or destroyed, comprehensive insurance will allow you to reimburse this battery to the manufacturer, as this is expensive.
A few points to watch out for when taking out car insurance
Whether it's a classic contract or a contract dedicated to electric vehicles, you have to be vigilant on certain points. Check that the contract includes:
- 0 km electrical breakdown assistance
- towing of the vehicle to a suitable charging station.
Car insurance is suitable for electric vehicles:
24/7 breakdown assistance. For example, in the event of a discharged battery, your car is towed to your home or a suitable garage.
With 0 km breakdown assistance, you are covered even outside your home 1 .
Our 2 all-risk car insurance formulas (economical and comfortable) are recommended:
the vehicle and the battery, even when rented, are covered in the event of theft, fire or accident,
with the full comfort Plénitude formula, your vehicle is reimbursed at purchase value up to 4 years, when it is economically irreparable or not found following theft,
repairs are carried out in a garage adapted to this type of vehicle and are guaranteed for life 2 .
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