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Regardless of which drive it is: each must have a motor vehicle liability insurance. However, drivers of an electric car should keep a few things in mind.
It does not matter whether it is a car with a combustion engine, a hybrid drive or a purely electric drive. If there is an accident, repair costs can skyrocket into the five-digit range. It can get worse and significantly more expensive in a collision with personal injury. Property damage and personal damage caused by the driver of a car are covered by the motor vehicle liability insurance.
It’s that time again for owners of electric cars at the end of November and insurance can be changed without any problems. The key date here is November 30th. In principle, an insurance change can take place at the end of December, but the notice period of one month must be taken into account.
Which car insurance is the right one?
But which insurance offers the right conditions? All owners of electric cars must have insurance. Of course, this is also the case for all other vehicles. Without a car insurance, the car is not allowed to be driven on the streets. It is not easy for money changers to find their way through the insurance jungle. Numerous insurance companies offer different policies.
Regardless of whether you are planning to change your insurance policy or are insuring an electric car for the first time, the following documents are required: driver’s license, vehicle registration document (Registration certificate I), Vehicle registration certificate (registration certificate II), mileage of the vehicle to be insured, bank details, data of the previous insurance, if applicable annual public transport tickets or a BahnCard
Special features of electric cars
When insuring an electric car, you should definitely make sure that the battery is also covered. It is strongly recommended to protect the battery. Only those who cover damage due to operating errors in the scope of benefits should be shortlisted for the right insurance.
Another point that should not be neglected is the coverage of fire damage that can occur, for example, at charging stations through short circuits. The movement of the axles during towing can also generate electricity, which in the worst case could cause a fire. So also make sure that this is part of the scope of the motor insurance.
Choice of electric car insurance
In the following, we show the most important points that are involved in the Choosing the right car insurance for electric cars the following must be taken into account:
● Motor vehicle liability insurance is required by law
● Partial or fully comprehensive insurance is optional
● Fully comprehensive insurance is recommended for new, expensive and financed cars
● The battery of the electric car should be covered by the insurance
● Fire damage should be covered
● Operating errors that can damage the battery should be part of the scope of services
● The towing of an electric car should also be insured
This is the quickest way to compare insurances and with the help of the available information you can find the right car insurance. The cheapest tariff is not always the best choice, because many insurance companies offer low costs. However, these are also equipped with a lower scope of services.
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