Hybrid cars are attracting more and more motorists. Thanks to the combination of thermal and electric motors, it is possible to reduce fuel consumption by 10 to 30% compared to a conventional vehicle. How to find the best hybrid auto car insurance? Answers.
What is hybrid auto car insurance?
First of all, it is important to remember that hybrid vehicles are equipped with two engines:
A petrol engine generally used for long distances;
An electric motor that takes over over the shortest distances, for example in town or in traffic jams.
There are three types of hybrid car:
The “full hybrid”: the hybridization is total. Locomotion is ensured by two engines using different energies (fuel and electricity most often);
The semi-hybrid: the vehicle is equipped with the Start & Stop system, a battery and an electric motor. The battery is recharged by the alternator linked to the internal combustion engine and by the electric motor.
The “full rechargeable hybrid”: the vehicle has an electrical outlet to recharge the battery.
Thus, unlike a conventional car running solely on a heat engine, the hybrid car uses both heat and electricity. The main advantage for the motorist lies in its low price. Indeed, this type of vehicle emits less CO2, especially in town, and saves fuel.
Like all other vehicles, insurance for a hybrid vehicle is compulsory in accordance with article L 211-1 of the Insurance Code. Driving without insurance is an offense punishable by a fine of 3750 euros and additional penalties (community service, suspension of driving licence, ban on driving for a maximum of 5 years, etc.). There are insurance contracts specially designed for hybrid cars that reduce the amount of the premium. However, nothing obliges motorists to turn to this type of contract.
Zoom on the guarantees of hybrid car auto insurance
Hybrid car auto insurance is the same as for a traditional car with sometimes advantages granted in the form of bonuses.
As with any other type of vehicle, insurers offer three insurance offers for hybrid vehicles:
Third party insurance
Car insurance for hybrid vehicles must include civil liability cover which covers material damage and bodily injury that may be caused to third parties (collision with a cyclist, responsible accident involving another vehicle, etc.). You should know that if the third-party formula remains the least expensive, it does not provide any compensation for damages caused to the insured in the event of an accident at fault.
This type of contract may prove unsuitable, especially if the value of the vehicle to be insured is high.
Intermediate car insurance
Extended third-party auto insurance includes civil liability and additional guarantees offering protection against glass breakage, the risk of fire, theft and explosion of the vehicle, material damage linked to a climatic event (storm, hail, etc). It represents a happy medium between third-party auto insurance and all-risk auto insurance.
It is recommended to turn to this type of contract when the vehicle to be insured is a used car whose value is not too high.
All-risk car insurance
All-risk insurance provides more extensive coverage since it covers material damage caused to the insured in the event of an at-fault accident. It may include other guarantees (breakage of glass, theft, fire, etc.), provide compensation for acts of vandalism, 0 km breakdown assistance or else a refund at an increased value.
This formula is intended for people with a new, top-of-the-range vehicle, the value of which is significant or reimbursement is not determined.
Hybrid car car insurance: what price?
Here are the criteria taken into account by insurers to make a tariff proposal:
The characteristics of the vehicle: category (city car, sedan, SUV, etc.), power, value, loss ratio, cost of repairs;
The driver's profile: driving experience and insurance history (malused or terminated policyholders);
The use of the vehicle: number of drivers, nature of journeys made, annual mileage, place of parking (germinated garage, in the street, etc.).
The price of hybrid auto car insurance can vary significantly between insurers. However, several factors suggest that the insurance rate for a hybrid car is lower than for an equivalent thermal car: the lower risk of claims, the lower risk of accident, the desire of insurers to encourage purchase of less polluting vehicles.
To find out the price of your future hybrid car insurance, don't hesitate to do a free, non-binding online simulation.
How to find the cheapest hybrid car insurance?
These five tips will help you find the best hybrid auto car insurance:
Select guarantees adapted to your needs and the specificities of your vehicle;
Opt for a less expensive model to insure: a low-powered or low-value second-hand vehicle;
If you do not yet have the licence, turn to accompanied driving to reduce the amount of the premium;
Tell the insurer where your vehicle is parked, especially if the place is secure (private car park or closed garage);
Tell the insurer how you actually use the vehicle (number of drivers, private and/or business trips).
If you want to get several car insurance quotes for hybrid cars , you can use an online comparator. After filling out a quick form, you will receive a list of personalized offers. For any questions and in order to be accompanied during the subscription, it is recommended to ask to be called back free of charge by an adviser.
Zoom on the guarantees of hybrid car auto insurance
Hybrid car auto insurance is the same as for a traditional car with sometimes advantages granted in the form of bonuses.
As with any other type of vehicle, insurers offer three insurance offers for hybrid vehicles:
Third party insurance
Car insurance for hybrid vehicles must include civil liability cover which covers material damage and bodily injury that may be caused to third parties (collision with a cyclist, responsible accident involving another vehicle, etc.). You should know that if the third-party formula remains the least expensive, it does not provide any compensation for damages caused to the insured in the event of an accident at fault.
This type of contract may prove unsuitable, especially if the value of the vehicle to be insured is high.
Intermediate car insurance
Extended third-party auto insurance includes civil liability and additional guarantees offering protection against glass breakage, the risk of fire, theft and explosion of the vehicle, material damage linked to a climatic event (storm, hail, etc). It represents a happy medium between third-party auto insurance and all-risk auto insurance.
It is recommended to turn to this type of contract when the vehicle to be insured is a used car whose value is not too high.
All-risk car insurance
All-risk insurance provides more extensive coverage since it covers material damage caused to the insured in the event of an at-fault accident. It may include other guarantees (breakage of glass, theft, fire, etc.), provide compensation for acts of vandalism, 0 km breakdown assistance or else a refund at an increased value.
This formula is intended for people with a new, top-of-the-range vehicle, the value of which is significant or reimbursement is not determined.
Hybrid car car insurance: what price?
Here are the criteria taken into account by insurers to make a tariff proposal:
The characteristics of the vehicle: category (city car, sedan, SUV, etc.), power, value, loss ratio, cost of repairs;
The driver's profile: driving experience and insurance history (malused or terminated policyholders);
The use of the vehicle: number of drivers, nature of journeys made, annual mileage, place of parking (germinated garage, in the street, etc.).
The price of hybrid auto car insurance can vary significantly between insurers. However, several factors suggest that the insurance rate for a hybrid car is lower than for an equivalent thermal car: the lower risk of claims, the lower risk of accident, the desire of insurers to encourage purchase of less polluting vehicles.
To find out the price of your future hybrid car insurance, don't hesitate to do a free, non-binding online simulation.
How to find the cheapest hybrid car insurance?
These five tips will help you find the best hybrid auto car insurance:
Select guarantees adapted to your needs and the specificities of your vehicle;
Opt for a less expensive model to insure: a low-powered or low-value second-hand vehicle;
If you do not yet have the licence, turn to accompanied driving to reduce the amount of the premium;
Tell the insurer where your vehicle is parked, especially if the place is secure (private car park or closed garage);
Tell the insurer how you actually use the vehicle (number of drivers, private and/or business trips).
If you want to get several car insurance quotes for hybrid cars , you can use an online comparator. After filling out a quick form, you will receive a list of personalized offers. For any questions and in order to be accompanied during the subscription, it is recommended to ask to be called back free of charge by an adviser.
