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Newcomer to EV world
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60 Posts
Not sure what changed but I got quote from them for 65 Reg Zoe £960!!! And I am 40 years old. We paid less for X5 when it was new!

Very strange
Correction - did quote again and it came out at same level as Direct line with all possible discounts (2nd car, another policy etc) so yes, in deed very competitive. Also better than any other option from comparison sites.

I must have done something wrong first time
 

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283 Posts
Recommended - came out at under half of our renewal quote and a good chunk less than those via online comparison sites (and the same price as indicated in their quick quote).

Will definitely try them for our other EV upon renewal.
 

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477 Posts
Tried a quote for my father’s Leaf and something must be wrong as it was over £1100 which is more than 3 times the amount he’s currently paying.
 

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My old insurer told me they won't insure EVs, so I had to hunt around. Pluginsure gave me a very competitive quote and I went with them. Spoke to them on the phone and it was all setup easily, in time for me to pick up the new car.
 

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193 Posts
I tried Pluginsure and found them very expensive. £251.59 for the wife and I on the Zoe. Quote me Happy £168.48 Currently with Admiral who quoted £186.75.

Also £40 discount for multicar on Quote me Happy.
 

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42k miles on public charging. Am I an expert yet?
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2,613 Posts
Just finished a quick quote on Pluginsure - around £35 more expensive than last years renewal with Aviva. I'll consider them at renewal, but they're not likely to be cheaper because they want 5 years of claims history when Aviva take 3-4, meaning I'll have no claims on Aviva but at least 1 no-fault claim on Pluginsure (which in my experience usually adds ~£80-100 for literally no fathomable reason).
 

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2,147 Posts
£288 for me today for a Zoe! - not bad and I was happy to take the quote - thanks Sam and Brendon :)
 

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849 Posts
Hi I know that this was a while ago, did you get anywhere with this? I would love my 17 year old daughter to have an EV, but the insurance quotes I have are double for a similar priced petrol car e.g. VW Up or Seat Mii. Was looking at a used Zoe or Imiev.
 

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Just had my renewal through and pluginsure quoted me a price which was a 3rd less...so I've gone with them obvs. Shout out to Sam who was friendly and helpful throughout.
 

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743 Posts
Hi I know that this was a while ago, did you get anywhere with this? I would love my 17 year old daughter to have an EV, but the insurance quotes I have are double for a similar priced petrol car e.g. VW Up or Seat Mii. Was looking at a used Zoe or Imiev.
I'm afraid I haven't. In the end we got a Mini for my son to use and his sister will go onto that policy. At least I can get them black box cover on that which, although eye wateringly expensive, does enable them to be mobile. I just couldn't get quotes for him or her on the Zoe, apart from one insurer who wanted £7k for him to drive on the Zoe policy at 18 years of age. Even my 2.5 V6 MG ZT was less than half that cost for him to be insured on it. For reference, this year we are paying £200-£250 for each policy for my wife and I to insure the Zoe & the ZT. It's crazy.

I wonder if the only way around it is to try leasing where the insurance is included. I really hope with the ongoing increase in EV ownership that insurers start to think a bit more creatively about insuring younger drivers.
 

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Madam Legurtz
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407 Posts
So whats the Insurer's problem with younger drivers in EVs? Is it just the value of the cars being higher than equivalent ICE? Imagine that, the Insurance industry scuppers Government plans to reduce ICE on our roads!
 

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I think, as we discussed higher up the thread, it is the higher cost of potential repairs in EVs if they have accidents. I suspect the worry is cost of a total battery replacement if a shunt causes damage to the battery. Or it may just be they are ignorant and just quote high so they don't have to think about the risks to begin with?
 

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42k miles on public charging. Am I an expert yet?
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2,613 Posts
I think, as we discussed higher up the thread, it is the higher cost of potential repairs in EVs if they have accidents. I suspect the worry is cost of a total battery replacement if a shunt causes damage to the battery. Or it may just be they are ignorant and just quote high so they don't have to think about the risks to begin with?
I think this is it, possibly combined with the fact that most EVs are (or at least feel) more powerful than the typical ICE that a younger driver might own. The performance characteristics may be either a shock or be, shall I say, over utilised by less experienced or less risk-averse drivers.

I seem to remember a case also where a front-end collision caused an absolutely enormous claim for an A3 e-tron because it messed up the charge port and associated electronics in the front, necessitating half the wiring looms to be replaced, as a result of the placement of the components. This probably doesn't help with the repair bill!
 

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849 Posts
I think this is it, possibly combined with the fact that most EVs are (or at least feel) more powerful than the typical ICE that a younger driver might own. The performance characteristics may be either a shock or be, shall I say, over utilised by less experienced or less risk-averse drivers.

I seem to remember a case also where a front-end collision caused an absolutely enormous claim for an A3 e-tron because it messed up the charge port and associated electronics in the front, necessitating half the wiring looms to be replaced, as a result of the placement of the components. This probably doesn't help with the repair bill!
All sounds about right, but the iMiev has a 0-60 of about 13 seconds, from what I can see. But the insurance cost is over twice a similar petrol car. A real shame, it feels like a backwards step buying an ICE.
 

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Quote is £200 cheaper than what I currently pay on my Ampera with Admiral. Will revisit when renewal comes in September.
True to my word, revisited them when my Admiral renewal quote came in around £600. Managed to knock Admiral down to circa £550 but they were still above PlugInsure and Quote Me Happy at sub £400.

Gone with Plug Insure.
 

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Peugeot Partner EV
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68 Posts
I've had a look on their site. They have a long list of EV's, but my Allied Vehicle (Peugeot Partner Tepee) is not listed. So if I select 'other', they instantly say they're not interested????
 

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743 Posts
Well, our renewal for Zoe arrived yesterday. Currently with Direct Line, who want £292 for another year’s cover. Just for my wife and I, both late 40’s no accidents etc and long NCB.

Thought I’d give PlugInsure a try for comparison. They want £1,316!!! That’s even more than we pay for our 19 year old son on his Mini. Just wondering how a ‘specialist’ EV insurer can be over a grand wide of the mark..


Sent from my iPhone using Tapatalk
 

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Registered
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544 Posts
Well, our renewal for Zoe arrived yesterday. Currently with Direct Line, who want £292 for another year’s cover. Just for my wife and I, both late 40’s no accidents etc and long NCB.

Thought I’d give PlugInsure a try for comparison. They want £1,316!!! That’s even more than we pay for our 19 year old son on his Mini. Just wondering how a ‘specialist’ EV insurer can be over a grand wide of the mark..


Sent from my iPhone using Tapatalk
We switched to Aviva last year and now we have 3 cars on a multi-car policy including my daughter’s car - she only has 2 years NCB - £1000 for all three, might be worth a try because if your age and driving history.
 
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