Tips for insuring electric cars: What fleets need to consider

Tips for insuring electric cars: What fleets need to consider

According to a report by www.unternehmenauto.de,

Insuring an electric car differs in some aspects from insuring a combustion engine vehicle. This is particularly true for comprehensive insurance, where owners should pay attention to various points. HUK-Coburg insurance points out that certain additional services that are specifically tailored to electric vehicles are important for partial or fully comprehensive insurance.

While motor vehicle liability insurance is no different for combustion engines and electric cars, special aspects must be taken into account with comprehensive insurance. For example, care should be taken to ensure that the traction battery is replaced in the event of damage, regardless of its age. Surge damage should also be included in the partial insurance, especially if the electric car is being charged at home.

Experts also recommend taking into account the wallbox's insurance, household contents or vehicle insurance, as well as the charging cable's insurance against theft. It is also advisable to pay attention to high compensation payments for damage caused by animal bites, as these can be very expensive with electric vehicles. Fully comprehensive insurance with all-round protection for the battery is also recommended.

These specific requirements for comprehensive insurance for an electric car have a direct impact on the insurance market. Insurance companies would have to adapt their offerings to these requirements to meet the needs of electric car owners. This could lead to specific electric vehicle insurance packages being developed to meet the new requirements.

For consumers, this means that they need to find out exactly about the specific benefits that their comprehensive insurance offers for their electric car. Additional costs for special services such as replacing the traction battery or securing the wallbox should be taken into account when deciding on insurance. In addition, due to the special requirements for comprehensive insurance, the total costs for insuring an electric car could differ compared to a combustion engine vehicle.

Overall, it is expected that the insurance industry will continue to adapt to the growing electromobility and offer special insurance solutions for electric vehicles.

How www.unternehmenauto.de reports, it is crucial for fleets and individual car owners to pay particular attention to comprehensive insurance when insuring an electric car in order to meet the specific requirements of electric vehicles.