Question EV Insurance

Discussion in 'Hybrid, PHEV & EV Electric Cars Forum' started by SourKraut, May 10, 2018.

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  1. SourKraut

    SourKraut
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    My car insurance is due at the end of May, and I was wondering if anyone had any suggestions for a reasonable deal.

    I’ve done all the usual compare sites, with quotes from £250-360,which seemed a little steep.
    This is for a 2017 Nissan Leaf

    I’ve found Aviva which has quoted me £200 which included the Legal Protection and Protected NoClaims, and for my wife and me.

    I realise that differing circumstances can very much alter the quotes, but was just wondering if anyone had used either a small company that’s not in the public media, or has any other suggestions.

    Anyway thanks for any help :)
     
  2. IronGiant

    IronGiant
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    Can't reply yet as Mrs IG insures the Leaf, please be patient :thumbsup:
     
  3. SourKraut

    SourKraut
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    Ah!...sure thing IG..cheers:smashin:
     
  4. IronGiant

    IronGiant
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    She went with Nissan itself when we got ours last year, but it was in that £250-360 bracket. It certainly went up compared with a 1.6 litre Renault Megane Grand Scenic, which surprised us. It's up for renewal at the beginning of June and she will certainly be changing as they wanted an additional £150 a year for occasional business use :rolleyes: by which we mean a rare drive to a different office.
     
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  5. PRESSTOG

    PRESSTOG
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    We have been with Aviva for years

    Strangely the Zoe is more expensive than the i3 it replaced

    This year Aviva bumped it up from £300 to £370 with no claims or accidents (2 drivers 40k miles a year business use) so we have shopped around and Direct Line are offering the same cover for £270

    So although I have always recommended Aviva I would say shop around. As prices are supposed to be coming down but as usual long term customers are being stitched up..
     
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  6. IronGiant

    IronGiant
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    Slightly off topic, but Esure wanted to bump my insurance up to £750 when I bought a 10 year old Kia Sedona worth £5K last year. Saga quoted £275 :thumbsup: Mrs IG is looking for a Saga quote on the Leaf...
     
  7. PRESSTOG

    PRESSTOG
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    There really is no logic to it sometimes.. the computer decides on the companies ideal customer then prices anyone slightly outside the ideal band out of reach..

    But then come renewal the squeeze the ideal customer they wanted in the first place to see how more they can get out of the them before they scarper..

    A few hundred years ago they would have been making a living hiding at the side of the highway with a mask and a musket..
     
  8. SourKraut

    SourKraut
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    Many thanks for your replies guys, much appreciated :thumbsup:

    I had a quote from Saga which was £366!

    So it would seem that Aviva (£200) are not too bad, going on your quotes.
     
  9. IronGiant

    IronGiant
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    I think that insurance companies haven't yet figured out the cost model yet for EV's so spill out daft numbers. I'll get Mrs IG to check out Aviva.., that's very useful.
     
  10. SourKraut

    SourKraut
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    Must admit we don’t do many miles, so I’ve set the insurance level at 6K, as this is what my contract level is too...no business malarkey as I’m retired :D
     
  11. Bl4ckGryph0n

    Bl4ckGryph0n
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    I don’t think it is EV specific but perhaps also more related to onboard safety and collision prevention equipment. And naturally in part repair bills.

    I mean it was due to its uncanning ability to stop before you crash that my Golf R including tuning enhancements to take it to nearly 380Hp only costed me £136 (after quidco cashback) fully comprehensive to insure.

    It wouldn’t surprise me if the new leaf is actually cheaper to insure :)
     
  12. gangzoom

    gangzoom
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    Our X is insured with Directline, last year £650 had my non fault claim so expected a mild rise, renewal quote was £800. Went on their website and got a quote of £460 as new customers including the claim, called Directline lady on the phone was puzzled claimed Directline don't offer new customers cheaper prices but agreeded to match online quote.........Just checked my credit card bill, total cost debited by DirectLine was £420!!!

    Pleasantly surprised my insurance costs have gone from £650 to £420 despite a claim, but honestly I don't even think the insurance companies know how their prices are generated!!!
     
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  13. PRESSTOG

    PRESSTOG
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    Its Crazy isnt it, I have been battling with Aviva (Been with them 10 yrs and they have always been fair, I have always recommended them.

    But this year they bumped me up 20% for no reason (Especially with all the articles about insurance costs falling).

    So I went to Direct Line as well, £100 less at £270 which for 2 drivers with full business use and 40k miles a year I think is very good. And they offer more in the cover.

    Will give it a year with them and see how it goes, but I tend to be one of those customers who sticks with a brand unless they really hack me off so if they are fair I will be a long term customer. Avivas loss
     
  14. SourKraut

    SourKraut
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    Just in the process of buying the insurance from Aviva, and checked the details online, and the premium has gone down :clap:.... from £200 to £187.03 :thumbsup:

    That's with protected no-claims and legal protection, so even better :D
     
  15. Bl4ckGryph0n

    Bl4ckGryph0n
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    I was loyal/lazy as well, until I discovered Quidco cashback many moons ago and realised that the companies aren’t loyal to me. They don’t ensure I get the best price to retain my custom, on the contrary they all seem to value new customers more. As such I change it all the time now.
     
  16. IronGiant

    IronGiant
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    Basic policy was £104 with Aviva, adding protected no claims, legal protection, occasional business use, and Rescue, Recovery and at Home bumped it up to £195.
    That was compared with Nissan who wanted £334 to renew, and that was without occasional business use for which they charge £180 :eek:

    Thanks for the heads up :clap:
     

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