The range of models is increasing quickly, and they are becoming more affordable: more and more electric cars are now found on Switzerland's roads. Last year over 13,000 purely electrically powered cars were sold in Switzerland, more than double the number in the previous year. These cars are attractive not only because they do not produce emissions. In many cantons, motor vehicle tax is lower, and insurers such as Helvetia offer lower premiums for alternative drive systems.
E-cars are insured in the same way as fuel-powered vehicles: compulsory liability insurance covers losses incurred by third parties, while comprehensive vehicle insurance covers damage to your own vehicle. Other components and additional insurance can be selected individually. If the vehicle’s battery was not purchased but rented, this must be communicated when taking out the insurance.
According to a study conducted by EBP Switzerland Ltd, 90% of electric and hybrid vehicles are charged at private stations (wallboxes). Vehicle owners can now have their stations insured with Helvetia. Insurance coverage comprises sudden and unforeseen damage, such as vandalism, theft or bites and other damage caused by martens and rodents. Any unintended incorrect operation that leads to internal breakdown is also covered by the insurance. On the other hand, natural wear and tear, damage caused by fire or natural forces and damage resulting from thermal problems (excessive temperatures, inadequate cooling, overheating) are not included.
Drivers of e-cars should always keep an eye on the battery, even if it is full, as batteries cannot simply be recharged while out on the road. They should also be aware that electric vehicles are quiet and are less likely to be heard by pedestrians. Under certain circumstances, the vehicles also accelerate more quickly. As far as the risk of crashes or fire is concerned, there is no significant difference to fuel-powered vehicles.