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What you get with Paddy Compare Electric Car insurance?

We will do the hard work for you and put you in contact with Electric Car insurance brokers that are ready to help and provide you with great quotes.

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Electric Car Insurance

Know more about electric car insurance in Ireland so you can make an informed decision and get the most suitable policy with Paddy Compare.

Q1. Why do you need electric car insurance?

Electric car insurance is important to protect your vehicle from accidents, theft, and damage. EVs can be costly to repair, especially due to their specialised components like batteries. Insurance also covers liability and medical expenses, ensuring you're financially protected in case of unexpected incidents or accidents involving your electric vehicle.

Q2. What type of electric car insurance do you need?

The best car insurance for you is one that is affordable and covers what you need. Which one you choose depends on the level of cover you’re looking for and your budget.

Comprehensive

This is the most extensive coverage you can get. It includes:

  • Repair or replacement costs if your electric vehicle is damaged or written off.
  • Cover if your car is stolen or catches fire.
  • Claims made against you for people, passengers, and their property.
  • A courtesy car while your car is being repaired and legal expenses.
  • Roadside recovery schemes.

Third-Party (only)

This is the most basic level of cover and is a legal requirement. It includes:

  • Cover for damage you cause to other people, passengers, or their property.
  • No cover for you or your car.
  • No claim if your car’s stolen, damaged, or catches fire.
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Third-Party (Fire & Theft)

Same cover as third-party, covers if your vehicle is stolen or damaged by fire. It includes:

  • Cover for damage to other people, passengers, or their property.
  • Cover if car gets stolen or damaged by fire.
  • If you’re responsible for an accident, it won’t cover repairs to your vehicle or your own medical costs.
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Q3. How much does electric car insurance cost?

Electric car insurance typically costs more than traditional car insurance due to the higher repair and replacement costs of electric vehicle parts, especially the battery. Premiums depend on factors like the car model, location, driving history, and coverage levels.

Comprehensive

€700

*data collected in December 2024

Third-Party (only)

€1100

*data collected in December 2024

Third-Party (Fire & Theft)

€900

*data collected in December 2024

Q4. How can I get cheaper electric vehicle insurance?

Car insurance can be expensive, here are some tips that can help you save money.

Shop around for quotes

Compare prices from different insurers to find the best deal for your EV.

Choose a higher excess

Increasing your excess (the maximum amount you will have to pay in the event of a claim) can lower your premium, but make sure you can afford it if needed.

Look for discounts

Many insurers offer discounts for safe driving, bundling policies, or driving fewer miles.

Opt for minimal coverage

If your EV is older or less valuable, consider liability-only coverage to save on premiums.

Install safety features

Vehicles equipped with anti-theft devices or advanced safety tech may earn discounts.

Maintain a good driving record

Avoid accidents and traffic violations to keep your premiums lower.

Add-Ons, Upgrades and Additional Cover Options

Breakdown Cover

You can cover the costs of calling out a recovery vehicle or mechanic in the event of a breakdown on the roads.

Windscreen Cover

Windscreen cover pays out for the costs of repairing or replacing windows since they can crack easily.

Key Cover

Key replacement can be costly, particularly if you have a immobiliser. Key cover will pay the costs of key replacement should you misplace or lose your keys.

No Claims Discount Cover

You can cover against the costs of calling out a recovery vehicle or mechanic in the event of a breakdown on the roads. a breakdown on the roads.

Legal Protection

This covers the costs of any legal expenses in the event of a claim or accident.

Business Use

This type of add-on will cover you in the event of an accident for business use and driving whilst at work.

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What our customers have said about us

  • Do I need special insurance for an electric car?

    While you don’t need entirely separate insurance, electric cars may require higher coverage limits due to their expensive parts, like the battery. Make sure to check if your current policy adequately covers repair costs, or opt for comprehensive and collision coverage for added protection.

  • Is electric car insurance more expensive?

    Yes, on average, electric car insurance tends to be more expensive. This is due to the higher repair costs, especially for components like the battery. However, rates vary based on factors like the model, location, and driving history, so it’s worth comparing quotes for the best deal.

  • Does my electric car's battery affect my insurance rate?

    Yes, the cost and replacement of your EV’s battery can impact your insurance premium. Because EV batteries are expensive to repair or replace, insurers may charge higher rates to cover these potential costs. You can ask about battery coverage when shopping for policies.

  • Are there discounts available for electric car insurance?

    Yes, some insurers offer discounts for electric vehicles due to their eco-friendly nature or the safety features they often come with. You might also get discounts for bundling policies, installing safety systems, or having a clean driving record. Always ask about available discounts when shopping for insurance.

  • How can I lower my electric car insurance premium?

    To save on insurance, consider raising your excess, opting for minimal coverage if your car is older, or bundling your policies with other people in your household. Also, maintain a clean driving record and install anti-theft devices or safety features to qualify for discounts. Shopping around for quotes can also help lower costs.

Why Paddy Compare for electric car insurance?

Finding electric car insurance in Ireland can be difficult, that's why we work with a full range of electric car insurance brokers and search the whole Irish electric car insurance market for you.

1

Cheap insurance quotes in minutes

2

Simple, one-page quote forms

3

Independent and unbiased service

4

Professional brokers you can trust

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