Renault Zoe, an electric car. Source: Renault.
The electric runabouts are significantly cheaper in terms of insurance than the gasoline ones. Many look at the phenomenon like an alien – fascinated and questioning. The answer is a simple insurance policy. However, dealing with the topic shows a trend that will be decisive for the automotive industry.
The greater the risk, the higher the insurance premium. That is the basic rule in the insurance world. Logically, the principle also applies to vehicle protection. The GDV, among others, has the exact calculation of the contribution explained in detail.
When considering the risk, the secret of the cheap Stromer can be found. “The often battery-saving driving style correlates to a high degree with a safe driving style,” says Horst Müller-Peters, Head of the Insurance Market Research Center at the Cologne Institute for Insurance (IVW) at TH Köln. The drivers of the e-racers are therefore more careful, there are fewer accidents and less damage payments, which is reflected in the premiums.
Tendency to less damage
The question was preceded by a comparison by the Verivox portal, which compared the petrol and electric version of a model and found that the Stromer is “significantly cheaper in all cases”.
This is due to the lower risk but also because the assistance systems ensure fewer accidents, as Müller-Peters explains. There is a “tendency towards less damage”. The trend would compensate for the higher costs that arise in the event of damage with e-cars in which “more sensors and cameras are installed”. In addition, many insurers are currently luring e-customers with discounted premiums.
Since the trend towards more assistance systems is also pronounced in gasoline vehicles, the damage should decrease in future.
Author: VW editorial team
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