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Switching from ICE to EV. Insurace: dearer or cheaper?

  • 21-05-2020 6:50pm
    #1
    j@utis
    Registered Users, Registered Users 2 Posts: 3,065 ✭✭✭


    How switching from ICE to EV affected your insurance?
    My oh is considering buying a new EV but first we're trying to make a financial sense out of it. Charging will be free at his workplace, that leaves insurance, road tax and service on top of the loan, of course.


Comments

  • #2
    unkel
    Registered Users, Registered Users 2 Posts: 65,717 ✭✭✭✭unkel
    Chauffe, Marcel, chauffe!


    Switched insurance from a worthless banger to a brand new EV and got a refund of about EUR150

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  • #3
    Gumbo
    Moderators, Society & Culture Moderators Posts: 39,783 Mod ✭✭✭✭Gumbo


    My experience is significantly cheaper.
    Currently paying €283 per year for a 162 i3.
    Policy is too spec including driving other cars fully comp, driving for my employment and claims without affecting NCB etc


  • #4
    colm_mcm
    Registered Users, Registered Users 2 Posts: 73,477 ✭✭✭✭colm_mcm


    Surely this is unsustainable as EVs become more popular and older.


  • #5
    Laviski
    Registered Users, Registered Users 2 Posts: 1,595 ✭✭✭Laviski


    i'm switching from a banger third party to brand new leaf fully comp - 200 cheaper.


  • #6
    j@utis
    Registered Users, Registered Users 2 Posts: 3,065 ✭✭✭j@utis


    Good to hear. His insurance is about 450eur on 151 mazda6, if it remains the same - that's fine.


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  • #7
    kennethsmyth
    Registered Users, Registered Users 2 Posts: 1,188 ✭✭✭kennethsmyth


    Insurance on a "normal ev" such as a leaf, zoe, ioniq etc i have found to be cheaper but the tesla's are kind of considered to be performance cars and will generally cost more.


  • #8
    Kramer
    Registered Users, Registered Users 2 Posts: 3,227 ✭✭✭Kramer


    Gumbo wrote: »
    My experience is significantly cheaper.
    Currently paying €283 per year for a 162 i3.
    Policy is too spec including driving other cars fully comp, driving for my employment and claims without affecting NCB etc

    Wow, that's crazy cheap! Especially with the fully comp on other cars & full NCB protection.
    Is it a major underwriter? Axa, Aviva etc.?


  • #9
    BigAl81
    Registered Users Posts: 1,122 ✭✭✭BigAl81


    Switched from a 10 year old 2 litre turbo Saab to a new Ioniq and insurance went down 50 quid.

    Saving 4 grand a year since switching taking fuel, servicing, maintenance, tolls etc into account. Was getting 13 litres per hundred kilometres in the Saab!!


  • #10
    Kramer
    Registered Users, Registered Users 2 Posts: 3,227 ✭✭✭Kramer


    BigAl81 wrote: »
    Was getting 13 litres per hundred kilometres in the Saab!!

    I think there must have been a hole in your fuel tank :D.
    22mpg - that's mad!

    Our Ioniq resulted in a lower premium too so I doubt the op need worry about that factor.


  • #11
    Gumbo
    Moderators, Society & Culture Moderators Posts: 39,783 Mod ✭✭✭✭Gumbo


    Kramer wrote: »
    Wow, that's crazy cheap! Especially with the fully comp on other cars & full NCB protection.
    Is it a major underwriter? Axa, Aviva etc.?

    Broker through work.
    Insurer is Allianz.


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  • #12
    DublinDilbert
    Registered Users, Registered Users 2 Posts: 5,390 ✭✭✭DublinDilbert


    Any options on getting an EV as a second car and keeping ICE of longer distance? Most companies seem to want them on a separate policy with 0 NCD. Not specific to EVs but a bit of a pain.


  • #13
    unkel
    Registered Users, Registered Users 2 Posts: 65,717 ✭✭✭✭unkel
    Chauffe, Marcel, chauffe!


    Kramer wrote: »
    I think there must have been a hole in your fuel tank :D.
    22mpg - that's mad!

    That's not far off the average I did in my 10 or so cars before my Ioniq. Some of my V8s averaged below 10MPG on weeks I commuted into the city centre with not much weekend driving.

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  • #14
    slave1
    Moderators, Sports Moderators Posts: 19,192 Mod ✭✭✭✭slave1


    kennethsmyth wrote: »
    Insurance on a "normal ev" such as a leaf, zoe, ioniq etc i have found to be cheaper but the tesla's are kind of considered to be performance cars and will generally cost more.

    Just changed my insurance from a 2013 CRV to a 2015 Tesla Model S, no change in premium


  • #15
    Kramer
    Registered Users, Registered Users 2 Posts: 3,227 ✭✭✭Kramer


    unkel wrote: »
    That's not far off the average I did in my 10 or so cars before my Ioniq. Some of my V8s averaged below 10MPG on weeks I commuted into the city centre with not much weekend driving.

    Do you not feel a little guilty about the polar bears, now living with chronic bronchitis & COPD, as a result of your reckless commuting in 10mpg V8s?
    Don't even start me off about the penguins :D.

    .......joking of course......or am I?......


  • #16
    unkel
    Registered Users, Registered Users 2 Posts: 65,717 ✭✭✭✭unkel
    Chauffe, Marcel, chauffe!


    Kramer wrote: »
    Do you not feel a little guilty about the polar bears, now living with chronic bronchitis & COPD, as a result of your reckless commuting in 10mpg V8s?

    Nope. They were all petrol, not cancer causing diesels and I always did a low annual mileage. And the EUR1808 motor tax I used to pay on them every year was enough to have saved 7 billion polar bears :p

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  • #17
    adunis
    Registered Users Posts: 671 ✭✭✭adunis


    Nor will I my two ancient cars ,petrol inline 6 and a petrol V8 won't do 1000 miles a year between them one is 36 the other 27,I think they may have saved their carbon foot print via the cars that weren't produced to replace them.


  • #18
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,790 ✭✭✭✭galwaytt


    colm_mcm wrote: »
    Surely this is unsustainable as EVs become more popular and older.

    indeed.
    I'm wondering why EV is quoted cheaper in the first place?

    The risk on the road is the same, and the cars more expensive and possibly more expensive to repair too.

    Just curious

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