9 Steps to Claim Insurance for an Electric Car Yes Ensure

9 Steps to Claim Insurance for an Electric Car

Can’t stand petrol costs? One viable option is to switch to an electric vehicle (EV). But to get the most out of it, you’ll need to claim insurance for your new car.

1. Get quotes for your new car

Whether you already own the EV or it’s on loan, you’ll need to get insurance quotes. You can do this easily using an online quote service like Quotezone . Enter the details of your vehicle and it will provide some options, with links where you can request a call back from an insurer. To find the best one for you, compare a few quotes.

2. Get quotes from your insurer

If you have insurance with a traditional motor dealer or through an online comparison site, then it’s likely that they offer insurance for EVs too. You’ll just need to provide them with the details of your new car and they will provide you with some options (based on your budget, vehicle specifications etc).

3. Get quotes from specialist electric car insurers

Some insurance companies are dedicated to the EV market. These specialists will be able to give you some tailored options based on your own specific situation. They may also offer extra benefits like guaranteed breakdown cover and reduced rates if they know that your home is powered using renewable energy.

4. Calculate your mileage

Your insurer will provide you with a quote based on how much you drive per year, so it’s important to tally up the total amount of miles that you’ll do in a year. You can check this by looking at all the invoices for fuel and service costs from your car over the last few years, and working it out according to the amount of miles you’ve put on your car.

5. Know your budget

If you’re looking for insurance for an electric car then you’ll be on a budget already! So make sure that when quotes come in they are within your price range (and raise them if required).

6. Decide on a policy

You’ll have several options for policies, so decide which one is right for you. For example: Full third party cover means that the insurer will pay for any damage done to other people’s property or people. Third party fire and theft means that if your car is stolen or damaged by fire then the insurer will pay out. Comprehensive cover means that the insurer will pay for damage to your own vehicle, even if it’s your fault. New-for-old means that a new car will be replaced by another one of a similar kind and value.

7. Decide on a policy excess

Some policies have no excess while others have a variable excess amount, which can be anything from £100 to £500. Make sure you know what this is and how it’s calculated (i.e. only the first £50 of any claim is free, but any amount over that will then attract a fixed excess).

8. Decide on an annual mileage limit

Your policy may have an annual mileage limit. This means that you will only be reimbursed up to the set amount. For example, if your policy has an annual mileage limit of 6000 miles and you’ve done 9200 miles in one year, then the insurer may only reimburse 6000.

9. Decide on a warranty

Your vehicle should come with at least three months comprehensive warranty (also known as a new-for-old warranty), but if you’re buying an electric vehicle then you should consider the cost of repairs (particularly because EVs often have lots of mechanical parts; like gears and drives, which are susceptible to wear). This is something that an insurer may be able to provide for you.

How does the insurance for EVs work in the UK?

It’s like any other car insurance policy, but you’ll need to provide your insurer with all the details of your vehicle and explain how it works. If you’re buying a brand new electric car then most insurers will be able to cover it for you straight away because they can check the vehicle identification number (VIN) and check that it’s safe. If you’re looking to insure a second-hand electric car then your insurer may need to see the vehicle’s MOT test certificate as proof of roadworthiness, if its age means that it doesn’t have one.

Who can I insure my electric vehicle with?

All insurers should be able to provide you with an insurance quote (provided your car meets their criteria). You can use comparison sites like Quick Quote Me to get multiple quotes quickly and easily.

What is the warranty on an electric vehicle?

Most good dealerships will offer at least three months’ warranty with a new electric car. However it’s best to check this before purchase because some are willing to go beyond this. It’s also important to know what is and isn’t covered by the warranty; for example, the warranty may not cover tyres or windscreens.

Do I need green insurance?

This is only necessary if you’re buying a used electric car that has previously been covered by green insurance (which was not compulsory). If this is the case then you will have to provide your insurer with proof of this or they won’t be able to cover your car for some time, which means you may have to pay for repairs or replacement parts out of your own pocket.

Do I still need comprehensive insurance?

If you have a fully electric vehicle then you will have to have comprehensive insurance, because it offers the best cover. However if your vehicle is a hybrid that has both petrol and electricity elements (like the Toyota Prius) then you’ll only need to be concerned about full third party cover because any claims for damage or theft are likely to be less expensive than those for an all-electric vehicle.

What Really Matters Is

Now that you know the 9 steps to claiming insurance for an electric car, it’s time to learn where to buy your next ride. Check out our blog post about 10 of the best electric cars on the market today and let us know what you think! You can comment below or share with friends on Facebook, Twitter, etc.

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