why do you think it will increase your insurance?I have just received my insurance renewal and noted that my Hybrid is classed as Electric. I had a long discussion on the phone to tell them this was the wrong classification, I am conscious that elect may increase my insurance cost and after they went through all their categaries they still insisted it was an Electric .
I explained as it has a engine and nothing to plug in it is a Petrol , they are going to get back to me .
Has anyone else experience this ?
someone should tell the insurers, anyone i know has seen their insurance decrease with an ev.Because the battery cost in a EV can write the car of even if it has a small amount of damage to the battery
Do you have any factual evidence that insurers in Ireland have higher premiums for EVs ?Because the battery cost in a EV can write the car of even if it has a small amount of damage to the battery
If the insurance quote has the correct make and model of car, then the quote is based on their premiums for that car. Whats the issue ?I have just received my insurance renewal and noted that my Hybrid is classed as Electric. I had a long discussion on the phone to tell them this was the wrong classification, I am conscious that elect may increase my insurance cost and after they went through all their categaries they still insisted it was an Electric .
I explained as it has a engine and nothing to plug in it is a Petrol , they are going to get back to me .
Has anyone else experience this ?
And I'm one of them, my insurance dropped by about 10% 4 years ago when I moved to hybrid and I was told by the broker at the time that insurance companies consider hybrid drivers to be safer.someone should tell the insurers, anyone i know has seen their insurance decrease with an ev.
We know that insurance company will find a loophole not to pay out, what better than to have the wrong detailsIf the insurance quote has the correct make and model of car, then the quote is based on their premiums for that car. Whats the issue ?
Assuming the information you provided them is correct, and that you have record of alerting them to theWe know that insurance company will find a loophole not to pay out, what better than to have the wrong details
The primary fuel for a hybrid is petrol , a EV primary fuel is electric, a much heavier car with its banks of batteries and much more expensive. For your info I have a Corolla hybridAssuming the information you provided them is correct, and that you have record of alerting them to the
You still haven;t said what make / model? I was curious as for example if it's a Nissan ePower model or similar, then it would be correct to classify the drive as electric as the petrol engine is only there to charge the battery.
Current Corollas are electric motor driven only, the petrol engine does not drive the wheels, but only produces electricity to power the electric motors and/or charge the battery.Corolla hybrid
Toyota hybrids always use the electric motors to drive the vehicle, whilst the petrol engine supplies power to electric motors when needed and supports a generator to charge the hybrid battery too.
That is correct but the batterie on a EV are much larger and costly which is why they write the EV off instead of repair, which not be the case with a hybrid because the batteries are relatively smallElectricity isn't fuel.
Current Corollas are electric motor driven only, the petrol engine does not drive the wheels, but only produces electricity to power the electric motors and/or charge the battery.
Where are you getting this information from?That is correct but the batterie on a EV are much larger and costly which is why they write the EV off instead of repair, which not be the case with a hybrid because the batteries are relatively small
Your car is propelled by the ice engine most of the time tho, whereas it appears his is propelled by the electric motor most of the time and therein lies the differenceI have a Rav 4 Hybrid (2.5 Litre Petrol engine and a c.1.5 KWH Battery). This is sometimes called a soft or mild hybrid. It could probably do 5KM on the battery alone but it rarely tries to.
A Plug in Hybrid might have a 10KW to 15KWH battery good for 30km or 50Km.
A fully electric car (lets call it an EV) would have a 40KWH to 80KWH battery good for 300Km - 500KM+ depending on all the usual factors.
So there is a huge difference out there. In a lot of Hybrids. Mild/soft/PHEV the electric motor drives the wheels but the power comes from either the Petrol/Diesel engine or the battery depending on the software. It gives a smoother driving experience and the petrol consumption is lower.
It does seem very strange as the original poster has stated that the insurance company considered their car to be an EV. I certainly wouldn't call mine an EV or for it to be subject to any of the potential EV insurance loadings if/when they materialise in Ireland!
Joe
But that still doesn't mean it isn't electric driven.That is correct but the batterie on a EV are much larger and costly which is why they write the EV off instead of repair, which not be the case with a hybrid because the batteries are relatively small
Perhaps the insurers have adjusted their criteria and are only now correctly noting those models as electric driven?I think the OP has just got some badly trained numpty in the Insurance company. I've had Toyota hybrids for a number of years and they were never insured as electric
What do you call an electric car?But that still doesn't mean it isn't electric driven.
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