It is not just the electric cars themselves that are typically somewhat more expensive than both petrol and diesel cars when purchased. The same applies to the insurance premium .
The insurance premium on electric cars tends to follow upwards when drivers switch to electric cars.
This is shown by a survey that the interest organization FDM had carried out in August last year.
Surprisingly, the survey shows that it is people who are already elite drivers who have to take the biggest price jump on the insurance premium.
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And it can be a nasty surprise for these drivers. In fact, FDM's mapping shows that elite drivers have to pay an average of 16 percent more in premium to insure an electric car compared to a petrol car.
In that context, the difference is only 3 percent when it comes to a new driver who needs to insure an electric car or a petrol car.
– The fact that there is not such a big difference in the insurance premium for new drivers is because it is generally expensive for that group to insure a car, regardless of whether it runs on electricity or petrol.
– More surprising is that for an elite motorist it is so much more expensive to insure an electric car than a petrol car.
– The explanation must be found in the fact that elite motorists are offered a lower price for insurance on petrol cars, and therefore the increase in percentage is perceived to be greater," says consumer economist at FDM, Ilyas Dogru, who is responsible for the survey.
As a motorist, however, you shouldn't settle for the first price you get, FDM believes. It is far from certain that it is the best.
– Overall, the survey shows that there is every possible reason to obtain more insurance offers, regardless of fuel, says Ilyas Dogru.
