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EV insurance prices

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  • Registered Users Posts: 33,212 ✭✭✭✭NIMAN


    That's shocking.

    I'd love to know how some of these insurance companies work out their premiums.


  • Registered Users Posts: 12,246 ✭✭✭✭DrPhilG


    Mine was €1500 last year. Due again in April.

    :(


  • Registered Users Posts: 5,113 ✭✭✭homer911


    The renewal for my wife's Leaf Insurance arrived yesterday (I'm a named driver) - €356 from Aviva. Not too bad but will still look around, including getting a fresh quote from Aviva


  • Registered Users Posts: 3,903 ✭✭✭zulutango


    I got rid of my car because of was sick of the ****ing around with insurance companies. I found that I can get by using GoCar and it's actually a lot cheaper for me than owning a car. It's just a pity that they don't have EV's in my area, but it's only a matter of time.


  • Registered Users Posts: 33,212 ✭✭✭✭NIMAN


    @DrPhilG @homer911

    €1500 and €356 for the same car, that is some difference.


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  • Registered Users Posts: 1,331 ✭✭✭80sDiesel


    NIMAN wrote: »
    That's shocking.

    I'd love to know how some of these insurance companies work out their premiums.

    Actually quite simple. An insurance company spreads the risk by insuring a range of drivers. When a sub section of that quota fills up they add a loading to deter further exposure to that subsection.
    In essence, 'Computer says no'.

    You just have to try another insurer whose quota hasn't filled up.

    A man is rich in proportion to the number of things which he can afford to let alone.



  • Registered Users Posts: 1,102 ✭✭✭manonboard


    zulutango wrote: »
    I got rid of my car because of was sick of the ****ing around with insurance companies. I found that I can get by using GoCar and it's actually a lot cheaper for me than owning a car. It's just a pity that they don't have EV's in my area, but it's only a matter of time.

    I'm doing this very idea this month. 3k running costs just aren't worth the value for my own lifestyle. I have luas option for majority of my travel. Insurance quote this year sealed the deal..

    Are you coping ok with go car? I wish they had more electric vehicles too.


  • Registered Users Posts: 12,246 ✭✭✭✭DrPhilG


    NIMAN wrote: »
    @DrPhilG @homer911

    €1500 and €356 for the same car, that is some difference.

    I had a small claim a few years ago. Tied to the same company now until I'm 5 years claim free.

    System is a joke.


  • Registered Users Posts: 1,351 ✭✭✭jprboy


    NIMAN wrote: »
    @DrPhilG @homer911

    €1500 and €356 for the same car, that is some difference.

    I think the more expensive one may have been as a result of a claim.*

    Got mine for €280 in 2015, €318 in 2016 and over €400 in 2017. Have never made a claim in over 30 years of driving.


  • Registered Users Posts: 1,404 ✭✭✭peposhi


    jprboy wrote: »
    I think the more expensive one may have been as a result of a claim.*

    Got mine for €280 in 2015, €318 in 2016 and over €400 in 2017. Have never made a claim in over 30 years of driving.
    If you are with Aviva - challenge them over the phone - they always do better!


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  • Registered Users Posts: 1,351 ✭✭✭jprboy


    peposhi wrote: »
    If you are with Aviva - challenge them over the phone - they always do better!


    I did and can't remember how much they knocked off it but it remained over €400


  • Registered Users Posts: 3,903 ✭✭✭zulutango


    manonboard wrote: »
    I'm doing this very idea this month. 3k running costs just aren't worth the value for my own lifestyle. I have luas option for majority of my travel. Insurance quote this year sealed the deal..

    Are you coping ok with go car? I wish they had more electric vehicles too.

    It's going surprisingly well. I thought it would be an inconvenience but it's actually the opposite. I live in Limerick city centre and there's a GoCar parked on the next street which is always available. Most of the time I get around by walking or bike (sometimes public bikes and sometimes my own bike for slightly further distances). I use GoCar if I need to do a grocery shop or a trip somewhere for a few hours. There's a local car rental place that gives me a car for 17 euro per day if I need a car for more than a few hours, which is really only a few times a year.

    The curious thing is that I've found myself to become a lot more organised and efficient with my time. The freedom that owning one's own car promises is actually a burden in many respects. Sometimes we're better off not having that freedom because we have a tendency to abuse it.


  • Registered Users Posts: 17 freakyfraggle


    Hi everyone,

    This seems to be the most recent post on car insurance for an EV, so here is my question:

    I have just bought a new Nissan Leaf and wanted to substitute my insurance from my Ford Focus. The AA are quoting me an additional premium of EUR 117.80 in addition to the EUR 620.89 I already paid on the Focus, that's about EUR 750 in total!

    But if I cancel the premium they will charge me about EUR 200, so I would have EUR 420 left to play with.
    Is it worth shopping around with other insurers to see if I can still make a saving, or should I just bite the bullet and go with the AA?

    All advice appreciated, thank you!


  • Moderators, Society & Culture Moderators Posts: 38,664 Mod ✭✭✭✭Gumbo


    Hi everyone,

    This seems to be the most recent post on car insurance for an EV, so here is my question:

    I have just bought a new Nissan Leaf and wanted to substitute my insurance from my Ford Focus. The AA are quoting me an additional premium of EUR 117.80 in addition to the EUR 620.89 I already paid on the Focus, that's about EUR 750 in total!

    But if I cancel the premium they will charge me about EUR 200, so I would have EUR 420 left to play with.
    Is it worth shopping around with other insurers to see if I can still make a saving, or should I just bite the bullet and go with the AA?

    All advice appreciated, thank you!

    Id finish out the year and then shop around.


  • Closed Accounts Posts: 18,958 ✭✭✭✭Shefwedfan


    Hi everyone,

    This seems to be the most recent post on car insurance for an EV, so here is my question:

    I have just bought a new Nissan Leaf and wanted to substitute my insurance from my Ford Focus. The AA are quoting me an additional premium of EUR 117.80 in addition to the EUR 620.89 I already paid on the Focus, that's about EUR 750 in total!

    But if I cancel the premium they will charge me about EUR 200, so I would have EUR 420 left to play with.
    Is it worth shopping around with other insurers to see if I can still make a saving, or should I just bite the bullet and go with the AA?

    All advice appreciated, thank you!


    The additional insurance is probably because the value of the car has dramtically increased. What value was the Focus and what value is the Leaf now?



    Once you are in the middle of a contract then they have you over a barrell....they wont give you discount on the addition.....that is not too much of a fee...try the likes of Blue Insurance and you get hit with 50 quid just for doing anything and then the amount.....


    I would pay and then see what you can do at renewal time....


  • Registered Users Posts: 2,795 ✭✭✭samih


    Agreed with stay with the current insurer. At the renewal time you can then amuse yourself getting quotations from various companies that will range between 380 and 800 euro for apparently exactly the same coverage. For me it so happened this year that the chepest quote had marginally the best extras like lowest excess.

    You can try to bargain by geting rid of the roadside assistance as Nissan comes with one included for 3 years.


  • Closed Accounts Posts: 3,292 ✭✭✭TheBoyConor


    cros13 wrote: »
    AXA may reconsider windscreen cover on i3s if I make another claim.

    I got a crack from stone hitting the frit of the windscreen on the M7 one winter morning.
    AXA didn't know what hit them...

    They were going to use their standard repair guys until I pointed out that there is a special tool used to remove the i3 windscreen instead of the steel wire.... and that the steel wire could cause damage to the frame and make the car a write-off... which BMW Ireland backed me up on.

    They had to bring a specialist with the correct tools and training from the UK to replace the windscreen :D
    He had to come twice because BMW had to take the car after he'd replace the windscreen and recalibrate the cameras used for the auto-steering and adaptive cruise and they refused access to the workshop so we had to reschedule.

    Fair play to you, you nailed them on it well. Make the fúckers squirm.


  • Registered Users Posts: 33,212 ✭✭✭✭NIMAN


    I know I read a few recommendations on here before but can't seem to find them now.

    Any Irish insurance companies stand out as offering competitive deals on EVs?


  • Registered Users Posts: 65,066 ✭✭✭✭unkel


    As always with insurance, you can only get the best deal for yourself if you ring them all. Including all the main brokers. Forget about filling in online forms, they're never the most competitive. A few hours of dreaded hard work, but you will potentially save yourself hundreds.


  • Registered Users Posts: 33,212 ✭✭✭✭NIMAN


    To be fair, the renewal from Allianz was very good, but I tend to do a lot of online forms for a few days every year. I can't see anyone beating it, and if so, not by any huge amount.

    I was just wondering if anyone had any experience of one or two companies which really seemed to stand out in terms of good deals for their EV.


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  • Administrators, Computer Games Moderators, Sports Moderators Posts: 32,186 Admin ✭✭✭✭✭Mickeroo


    Zurich have an EV specific policy but it's just marketing spiel really. They gave me a quote of 475 with no claims protection which wasn't bad but Liberty beat it by about 30 euro. Those were the two best quotes I got.


  • Moderators, Society & Culture Moderators Posts: 38,664 Mod ✭✭✭✭Gumbo


    No real ‘better’ companies.
    There’s only what’s best for you after ringing them all!

    I was with Zurich last year on the Leaf and this year the renewal on the i3 was one of the highest quotes I got. It was the same as the leaf renewal on fairness but Zurich we’re doing nothing for me.

    Rang around many and the cheapest was 123.ie until I got a quote from JLT through my wife so check your company to see if you have any affiliation with any companies.

    Or professional groups etc
    Engineers Ireland members scheme
    Public sector scheme
    Etc etc

    I ended up with a better policy for €353 on the i3.


  • Registered Users Posts: 18,942 ✭✭✭✭Del2005


    unkel wrote: »
    As always with insurance, you can only get the best deal for yourself if you ring them all. Including all the main brokers. Forget about filling in online forms, they're never the most competitive. A few hours of dreaded hard work, but you will potentially save yourself hundreds.

    I've done online and calling. I get better prices online.


  • Registered Users Posts: 12,297 ✭✭✭✭Calahonda52


    kceire wrote: »
    No real ‘better’ companies.
    There’s only what’s best for you after ringing them all!

    I was with Zurich last year on the Leaf and this year the renewal on the i3 was one of the highest quotes I got. It was the same as the leaf renewal on fairness but Zurich we’re doing nothing for me.

    Rang around many and the cheapest was 123.ie until I got a quote from JLT through my wife so check your company to see if you have any affiliation with any companies.

    Or professional groups etc
    Engineers Ireland members scheme
    Public sector scheme
    Etc etc

    I ended up with a better policy for €353 on the i3.

    I have found JLT very good also.
    e.g. when I bought the second, ice , car.
    Broker quoted me 3,300, with no NCB on second car
    JLT got me 1,200, with a notional NCB.

    RE Zurich, just check the free roadside assistance clause, if any, on all policies

    “I can’t pay my staff or mortgage with instagram likes”.



  • Registered Users Posts: 65,066 ✭✭✭✭unkel


    Mickeroo wrote: »
    Zurich have an EV specific policy but it's just marketing spiel really. They gave me a quote of 475 with no claims protection which wasn't bad but Liberty beat it by about 30 euro. Those were the two best quotes I got.

    I would have happily paid the extra EUR30 for a Zurich policy if I'm honest


  • Registered Users Posts: 33,212 ✭✭✭✭NIMAN


    Well the renewal for the Leaf is €360, and thats the full protection, not a slimmed down policy.

    I honestly think ringing around will be wasting my time, I can't see me getting any deal better than that.


  • Registered Users Posts: 12,246 ✭✭✭✭DrPhilG


    My insurance last year was €800, coming off a 4 year old claim in my part and a lingering open claim for my wife due to the Setanta collapse.

    Renewal is at the end of this month and the local broker who got me that price last year (my renewal at the time had been €1200) was offering €600 through Liberty.

    I priced around and found €480 with Axa.

    Dropped an email query with Quotedevil and they called me back the next day to offer me €450. Insurance is with Axa, but Quotedevil gave a further discount because I have my house insurance with them.


  • Registered Users Posts: 19,889 ✭✭✭✭Cyrus


    Given the high BHP out put of teslas, EQC, iPace and Etron, how have people been getting on insuring their EVs,

    i know its a piece of string qn as there are so many factors, some that change day to day :pac:

    but how have people found transferring insurance across from an ICE to EV?


  • Moderators, Society & Culture Moderators Posts: 38,664 Mod ✭✭✭✭Gumbo


    Cheaper.
    But as you say. It makes no difference what I pay as it has no bearing on you.
    Only way as normal is to call around as we’ve always done.

    I’m paying €283 on an i3.
    I was paying 600 on my 535 while work mates were paying 950 on 520’s.

    I got a quote for a Model 3P from axa and it was €700.


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  • Registered Users Posts: 185 ✭✭mrbongo


    I checked 123.ie recently and it quoted me 450 eur for a new LR Model 3, my wife as main driver, me as named. We're in our 50s with full no claims bonus. I should get licence plate details soon and will do more checking then.


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