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How Much Does It Cost to Insure an Electric Car in Ireland? car insurance ireland, car insurance for ireland, insurance car ireland How Much Does It Cost to Insure an Electric Car in Ireland? car insurance ireland, car insurance for ireland, insurance car ireland

Electric Vehicles

How Much Does It Cost to Insure an Electric Car in Ireland?

Published 14th April 2024Read Time 5 min

Hey there! If you’re in the market for an electric vehicle in Ireland, you’re not alone. EVs are taking off in popularity thanks to their eco-friendly credentials and potential to save money on fuel. But before you make the switch, one big question looms: how much will it cost to insure? As a fellow driver exploring the world of electric cars, I feel you. The insurance piece can be confusing. But don’t worry, we recently did a deep dive on EV insurance costs in Ireland. In this article, we’ll walk through the key factors that impact premiums, like make and model, driver profile, and mileage. We’ve got insider tips to find the best rates. And we’ll share advice to make sure you get comprehensive coverage without overpaying. Whether we already drive electric or are thinking about it, we’ll finish this article with knowledge to shop insurance with confidence. Let’s hit the road and talk EV insurance in Ireland!

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Factors That Influence Electric Car Insurance Costs in Ireland

The Type of Electric Vehicle

The actual make and model of your EV will impact your insurance premium. More expensive, high-performance vehicles typically cost more to insure since they are seen as higher risk by insurers. Mainstream models from reputable brands are often the most affordable to insure.

Your Driving History

As with traditional vehicle insurance, your individual driving history and claims record play a significant role in determining your electric car insurance premium. Safe drivers with a clean record and no at-fault accidents will typically receive the lowest rates. Multiple claims or traffic violations may increase your premium.

How much you drive  If you drive a lot every year, especially in busy traffic, your rates could be higher since you have more opportunities to potentially get into a fender bender.

AA EV Insurance

Our EV Insurance is packed full of benefits & features. Plus, Get 3 Months Free EV Insurance* by getting your quote online

With the AA App, Members can get rewards & discounts. Like 3c off every litre of fuel in CircleK garages nationwide.

Where you park

Leaving your car on the street overnight rather than in a secure garage could mean higher rates. Out of sight is out of mind for thieves and vandals!

Claims history

Any accidents or claims you’ve made in the past will make your rates go up over time. accident without overpaying.

Discounts When You Buy Multiple Policies

Many insurers provide discounts and incentives for electric vehicle owners who purchase multiple policies. For example, combining your EV policy with your home insurance or opting for a higher excess amount could result in cost savings. Make sure to ask about any multi-policy discounts and other savings opportunities that could help lessen your expenses.

Through diligent research into the factors that affect premiums and by taking advantage of discounts for purchasing multiple policies, securing affordable electric car insurance in Ireland is achievable. Moreover, consider combining your EV insurance with other policies you have to amplify your savings potential. By grasping these essential aspects, you’ll equip yourself with the knowledge needed to procure suitable EV insurance with ease.

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Comparing Quotes: Finding the Best EV Insurance Deals

Once you’ve decided to make the switch to an electric vehicle, the next step is finding an insurance policy suited to your needs and budget. Comparing quotes from multiple providers is the best way to uncover the most affordable and comprehensive coverage.

Compare quotes from at least three insurers

Request quotes from well-known insurers like The AA, as well as smaller providers focused on EVs. Compare the details of each policy carefully, looking at factors like excess amounts, included coverages, and any available discounts. The range in premiums can vary significantly between companies, so checking with multiple insurers often pays off.

Look for EV-specific discounts and incentives

Many insurers offer discounts for EV owners, such as waiving excess fees for claims related to your vehicle’s electric components. The AA provides 3 months of free EV insurance for new customers. Some insurers also partner with public charging networks to provide reduced rates or cashback for using their services.

Ask about additional coverage options

While a standard comprehensive policy will cover liability and damage to your own vehicle, consider enhancing your coverage with extras like travel insurance, roadside assistance, and European membership for added security and convenience, especially for EV owners. These additional protections offer peace of mind and comprehensive coverage. With a bit of research, you can discover an affordable electric vehicle insurance policy that ensures you’re well-protected on the road.