Electric cars are in many cases more expensive than the corresponding petrol cars to insure.
For those who own an electric car, this can be an unpleasant surprise when the three -year car damage guarantee from the manufacturer expires, and you have to obtain full insurance.
Kvdbil Have taken a closer look at the factors that drive the costs.
Electric cars are more expensive to insure
As an example of the fact that electric cars are often significantly more expensive to insure, the Kvdbil lifts the Volvo XC60 T6 charging hybrid and the electric car Tesla Model Y, which are some of Sweden’s best -selling car models.
Volvon has a power of 340 horsepower and a new price of SEK 686,000. Teslan has similar performance, and SEK 50,000 lower new price. For a 45-year-old man living in Stockholm with an annual mileage of 1,500 miles, the difference in insurance costs is striking.
Volvon costs SEK 467 a month to insure, while the corresponding figure for Teslan is SEK 1,605. Thus, Teslan is as much as 344 percent more expensive to insure.
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Therefore, electric cars are expensive to insure
Kvdbil has discussed the issue with the insurance companies IF, Folksam, Länsförsäkringar and Trygg-Hansa.
All emphasize the importance of injury statistics and historical data for each individual model as a basis for insurance premiums. For example, if the damage or theft frequency is high for a particular car model, it leads to higher premiums.
The reason why electric cars are often so expensive to insure is, according to the insurance companies, that they are generally more expensive to repair.
However, it is pointed out that you also see this problem in many other newly made cars, partly because of how high -tech, well -equipped and advanced they are.
Will electric cars be cheaper to insure in the future?
The insurance companies are careful about leaving forecasts as to whether electric cars will be cheaper to insure in the future.
According to Folksam and IF, pricing can be improved when more electric cars are rolling and more data has been collected.
Trygg-Hansa is on the same track, and emphasizes that future premiums can benefit through increased knowledge of damage trends for electric cars.
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