2023-10-15 17:37:00
In 2024, bonuses for people who choose to buy an electric car will be offered with favorable insurance.
The year 2024 will be auspicious to owners of an electric car. Moreover, car insurance will be significantly cheaper and therefore more advantageous for French people who choose this greener mode of travel. Very bad news for the insurance premium on this type of car!
Auto insurance on the rise
The year 2023 was marked by the increase in the price of car insurance. Indeed, the economic situation of recent months, and the increase in insurer risk caused a surge in auto insurance prices.
The Facts and Figures firm had also estimated an increase in the car insurance premium of 3% to 5%. The latter might, according to them, go up to 8%.
This observation followed the recovery of the industry following Covid-19, but also the use of the car by the French. Indeed, following a drop in daily travel, the French are returning to their previous way of life.
And this recovery is reflected in the increase in auto insurance. The latter is explained by the increase in the price of repairs automobiles.
The latest figures communicated by the SRA (Automotive Safety and Repairs) also confirm this increase. The price of spare parts has suffered an increase of 9.7% for 2023compared to an 8.1% increase for painting.
The SRA also provided additional explanations regarding the increase in the amount of the car insurance premium. Among them, repairing a car now costs more.
Elements that justify this increase
In 2023, labor costs increased by +3.2%. Insurers have also developed an “inflation pack”, proposed to the government, in order to defend the purchasing power of the French.
This pack includes measures to provide assistance to consumers with their car insurance. Thus, a check for €100 was offered to all insured persons under the age of 25 benefiting from unemployment.
However, there are alternatives to lower your car insurance bill. With that per kilometer, for example, you only pay car insurance for the kilometers you actually travel.
Moreover, since June 1, 2023, any insurer offering online subscription, must offer its policyholders online cancellation, in just three clicks. A very useful feature for those who want to get rid of it.
Insurance companies are obliged to offer a button “cancel my contract” present in the online space. This thus makes it possible to terminate a contract very simply and quickly.
Moreover, know that in 2024, tailor-made insurance will be offered to those who choose to drive electric. A desire adopted by the government.
Cheaper car insurance for those who drive electric
In 2024, the government will reward people who are going electric. They will thus be able to benefit from cheaper car insurance.
According to a study conducted by Assurland.com in 2023, a person with an electric car paid his car insurance 563 euros on average compared to 645 euros for the insured with a gasoline vehicle.
This represents a 20 to 25% discount on a third-party contract, and from 12 to 15% on an all-risk formula. However, the cost of car insurance for an electric car “may soon fly away” to use the words of Assurland.
Currently, most electric cars are less expensive to ensure that their thermal equivalent. On the other hand, the Dacia Spring sees its contribution reach 255 euros when a Sandero III owner must pay 250 euros.
Big price differences which worries dealers. For example, the Renault Zoe costs 142 euros for third parties and 302 euros for all risks, compared to 169 euros and 318 euros respectively for the Clio V.
However, owners can count on the exemption of the Special Tax on Insurance Agreements (TSCA). This TSCA allows you to benefit from an auto insurance exemption of approximately 33%.
B. L.
Hi, I’m Ruben, the new web editor at Tuxboard.com. Freshly graduated from a journalism school in Paris, I am passionate regarding media news, television shows and sociology. I am enthusiastic regarding sharing with you my articles and my analysis of the news on Tuxboard.
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