Quiet, clean and attractive from a tax point of view: E-cars are very popular with city dwellers in particular because of their advantages. Here we explain what you should look out for when taking out insurance for your electric car.
They roll quietly on Germany's streets - electric cars, one of the most central pillars of our energy transition. Anyone who drives one is well aware of the many advantages - above all emission-free mobility, tax breaks, purchase premiums and easier parking. But especially when it comes to important insurance protection, many grope in the dark. Fully or partially comprehensive? What is important? And what happens when the battery weakens? We explain what needs to be considered when insuring your electric car.
What insurance do I need for my electric vehicle?
Whether electricity, natural gas or petrol - whichever drive your vehicle drives, there is no getting around motor vehicle liability insurance in Germany. In addition, many car owners opt for partial or fully comprehensive insurance, which also covers damage to their own vehicle in an emergency.
It makes sense to take out comprehensive insurance, especially for drivers of electric cars, which are usually associated with higher purchase and repair costs compared to vehicles with combustion engines. Why? The heart of the Stromer is the battery - if this is damaged by an accident or wear and tear, it can quickly become expensive.
Leading insurers such as HUK24 therefore recommend that owners of electric cars choose comprehensive insurance that also covers damage to the vehicle's battery.
What does electric car insurance cover?
Depending on the type of comprehensive insurance, different damage scenarios are covered - a comparison is definitely worthwhile here. While HUK24's partially comprehensive insurance pays for damage caused by animal bites or short-circuit damage to the insured vehicle and the consequential damage up to EUR 20,000, the experts recommend taking out fully comprehensive insurance for the first few years. In this way, the e-car is comprehensively secured - even in the event that the car is damaged through your own fault. Battery damage is also insured with the HUK24 up to EUR 20,000 - completely independent of the age of the battery.
Vehicle owners who opt for the Kasko PLUS tariff with HUK24 are also on the safe side if, for example, the car battery catches fire and the fire spreads to other items they own, such as a garage or charging station.
How expensive is electric car insurance?
One thing is clear: Anyone who decides to buy an electric car often accepts higher purchase and repair costs. In return, as a Stromer owner, you are completely independent of fuel prices, benefit from tax breaks and make a valuable contribution to climate protection.
What many do not know: Electric car insurance is often cheaper than insurance for vehicles with combustion engines. At HUK24, for example, electric car owners save 10 percent on the premium tariff for a purely electric car. A sensible investment that makes electric driving even more attractive.
Curious? Here you can find out everything about the insurance cover for your electric car [Link to the HUK24 site: Insure electric cars cheaply with the test winner | HUK24]