This is what you should know about insuring an electric car

Undeniably, interest is growing so fast when it comes to electric cars. But with greater interest comes a lot of questions, specifically around insurance. What is different when insuring an electric car versus a fossil-powered car? We had a chat with an insurance expert at Trygg-Hansa.

This insurance is mandatory

Before we go further, let's go "back to basics". Whatever type of car you have, it is incredibly important to insure the car. A so-called traffic insurance is something you must have - it covers bodily injuries to both you and other people injured in an accident, as well as covers damage to other people's property.

The difference in insurance for an electric car and a fossil-powered car

Contrary to what most people might think, there is actually no major difference between insuring an electric car and a fossil-powered car, says Mattias Pössl at Trygg-Hansa. The difference is that an electric car has a few other components, but it is something that is calculated and included in the machine damage protection in your insurance.

Mattias states that an electric car is like a regular car, when it comes to insurance. "You crash in the same way, if someone decides to break into the car, it is the same type of insurance and the same type of protection that you need as for a fossil fueled car".

The battery, then?

Perhaps the most common concern for many when it comes to electric cars is the battery. And it's also something Trygg-Hansa notices when they talk to customers about insuring electric cars. But no special additional insurance is needed for the battery itself, but it falls under the part about machinery and electronics in a normal half-insurance.