Similarly,
Why ensure electric vehicle become:
Buying an electric car is often seen as a gesture for the future: less pollution. Moreover, less noise and a modern image. Nevertheless, But on the insurance side, that’s another story. Nevertheless, Between bonuses that blaze. Additionally, Nevertheless, refusal of coverage, many drivers discover that driving “green” can quickly become a real obstacle course.
Insurers in the face of explosive costs – Why ensure electric vehicle become
The equation is simple: the more expensive repairs are expensive. Consequently, the more insurers are covered. Consequently, And with the batteries haute tension and aluminum bodiesthe note climbs quickly. Nevertheless, A simple minor shock can transform the bill into a nightmare. In addition, Result: some drivers see their premium increasing spectacularly.
Jean-Philippe, owner of a 2015 Tesla Model S, had the bitter experience. In addition, Its bonus increased from 852 to 1,452 euros in a single due date, an increase why ensure electric vehicle become of 70 %. By looking for an alternative. he discovers that other companies refuse to ensure his vehicle or impose even more prohibitive prices.
Same observation for Sophie, who rides in the 2016 Renault Zoe. After a minor accident, her subscription jumped from 420 to 760 euros. His insurer justifies this increase by the Complexity of repairs and the lack of certified garages. Difficult, under these conditions, to find a competitive offer.
When the manufacturers’ policy complicates everything – Why ensure electric vehicle become
If insurers tighten the screw, manufacturers do not facilitate the task. Their security obsession – legitimate on the background – causes dizzying costs. Example: some brands impose the Complete battery replacement As soon as an airbag is triggered. even if the pack is intact. A precautionary measure which transforms a small grip into total disaster sometimes exceeding 40,000 euros.
According to theFrench Association of Insurance (FFA)the average cost of an accident why ensure electric vehicle become involving an electric vehicle is already two. to three times higher than for a thermal vehicle. A minor frontal collision is around 6,000 euros for an electric vehicle, compared to 3,500 euros for a conventional car.
Tesla. between promise and reality
To get around this problem, Tesla has launched its own insurance in the United States, focusing on its fine knowledge of its models to offer fairer rates. The idea seems attractive: who better than the manufacturer to estimate the risks? But the reality is more nuanced. The bonuses are not always lower and the management of claims remains complex. Tesla nevertheless plans to extend this system to theEuropewhere we hope more effective adjustments.
Chinese brands in the face of European reluctance
With the massive arrival of Chinese manufacturers as BYD. NIO or MGa new challenge appears: European insurers do not know how to assess their risks. Between why ensure electric vehicle become ignorance of technologies, time to supply spare parts and differences in repair methods, distrust dominates.
Where Chinese manufacturers favor the repair of unit components, Europe prefers to replace comprehensive subsets. Two visions that complicate costs and feed the concerns of insurers.
Conclusion
Today. the owners of electric vehicles are taken between two fires: manufacturers who impose costly protocols and insurers who pass these costs on their premiums. This imbalance risks slowing down the massive adoption of electrical mobilityyet essential in the energy transition. To get out of the deadlock, better cooperation between industrialists, insurers and repairers is essential. Otherwise, rolling electric could well remain a luxury reserved for a minority.
Further reading: Designer Willy Chavarria recognizes cultural appropriation and apologies – So it is expensive, eat at the restaurant! – Air pollution in Geneva: microplastics identified by Greenpeace – French Alstom loses the contract of the century in Belgium for the benefit of a Spanish manufacturer – The net profit of the Saudi Aramco fell by 22% in the 2nd quarter.
