Thanks to the aid granted by the State, the green car is arousing growing interest among the French. However, there are important differences between electric cars and hybrid vehicles.
More and more electric and hybrid vehicles are coming onto the market. If these two types of vehicles have a common origin of electric motorization, many points differentiate them. Should you opt for an electric or hybrid vehicle? Which insurance to choose? Explanations.
Electric
or hybrid vehicle: what are the differences?
The choice between an electric car and a hybrid car
depends first on the use you want to make of it (type of trip, kilometers
traveled, budget). A gasoline or diesel hybrid car has an electric motor or a
battery to recover the kinetic energy associated with deceleration or braking
to transform it into electricity. This is used to drive a few extra kilometers
in electric mode. In the case of a hybrid car, there is no fuel tank or
combustion engine. The electric motor is associated with a large battery that
can be recharged through a public terminal.
Hybrid cars have the advantage of being very
economical, ideal for driving around town and versatile. However, their
long-term reliability is not established and complex repairs can be costly in
the event of a breakdown. As for electric cars, they do not emit CO2, require
little maintenance and their cost is attractive. However, their autonomy
remains low (between 150 and 200 km) while their charging time is around 9
hours.
What
insurance for your electric or hybrid car?
Insurers generally reward drivers who have chosen an
economical and less dangerous vehicle.
To calculate the price of insurance for an electric
vehicle, they are based on many criteria including the frequency of claims that
have occurred with this type of car and the formula chosen. Indeed, the insured
who wishes to benefit from effective coverage can opt for an all-risk formula
and benefit from a price almost similar to that of insurance for a conventional
vehicle. The battery in hybrid vehicles is often leased by the dealer. In this case,
it is important to insure it at the time of purchase or to add it to your auto
insurance contract.
There are also insurance contracts dedicated to hybrid
vehicles. Thus, insurance for these vehicles is often cheaper than others. To
find the car insurance you need, do not hesitate to use an online comparator.
By going through a broker, you will be sure to subscribe to the least expensive
and most efficient car insurance. This professional accompanies you from the
moment of subscription and can give you valuable advice if you are lost in the
face of the many insurance policies available. Finally, you should know that a
driver who has just bought an electric or hybrid car is not obliged to stay
with the same insurer. The termination of the contract is relatively simple and
possible provided that the notice periods are respected.