Electric car, scooter, bicycle, monowheel, Segway or hoverboard, the urban landscape has been transformed in just a few years.

Out of ecological awareness, desire for physical activity or the need to save money on their journeys, more and more city dwellers are turning to eco-responsible transport solutions.

Consequently, these are all means of transport to which insurers have had to adapt in order to offer adequate but also attractive cover.

Insure your electric car cheaper

Protecting a clean car is generally less expensive than for its thermal equivalent.

This is explained first of all by the fact that electric cars purchased after January 1, 2021 are exempt from the special tax on insurance agreements (TSCA) until the end of 2023. Provided that the insurer plays the gambling (which is often the case), this tax gesture represents a reduction in premiums of around 25%.

On the other hand, several companies offer an additional 10% discount on the annual fee to encourage the choice of a clean vehicle.

In addition, the lower loss ratio (shorter journeys and increased caution in view of the investment) also reduces the cost of insurance.

As for the content of the offers,

Overall, a study by the comparator Lesfurets.com published in 2021 estimated that it was necessary to count 405 euros per year on average for third-party coverage and 670 euros in all risks for an electric car, against respectively 534 and 823 euros annually for all automobiles.

However, the balance is reversed slightly for certain models such as the Renault Zoé or the Peugeot 208 II.

Offers dedicated to urban mobility

Pedestrians and cars must also coexist with urban vehicles which can also suffer or cause accidents.

Consequently, many multi-risk home contracts now include the possibility of covering trips by scooter, bicycle (electrically assisted or not), rollerblades or skateboard.

On the other hand, motorized personal transport vehicles (EDPM) obey a specific regime that is still largely unknown.

Since October 2019, the law has required the taking out of at least independent civil liability insurance for any EDPM exceeding 6 km/h, whether it is an electric scooter, a hoverboard, a Segway or another monowheel.

In 2021, the compulsory insurance guarantee fund had also received 400 requests for accidents caused by these machines,

Most car insurers therefore now offer offers dedicated to new individual electric vehicles, known as NVEI, the latest fashionable acronym.

If small budgets will be satisfied with the legal minimum required, regular enthusiasts will have every interest in turning to more complete formulas integrating a bodily guarantee, protection of the machine in the event of damage or even cover against theft.

Count here between 50 and 100 euros per year depending on the degree of cover chosen.

Finally, note that the growth of the market has led to the appearance of new players and in particular digital insurance companies dedicated to green mobility, promising tailor-made offers for a competitive price.

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