{"id":42640,"date":"2022-08-11T16:46:11","date_gmt":"2022-08-11T15:46:11","guid":{"rendered":"https:\/\/myenergi.com\/ie\/?post_type=guides&#038;p=42640"},"modified":"2025-06-12T09:47:50","modified_gmt":"2025-06-12T08:47:50","slug":"electric-car-insurance-ireland","status":"publish","type":"guides","link":"https:\/\/www.myenergi.com\/ie\/guides\/electric-car-insurance-ireland\/","title":{"rendered":"EV Insurance Ireland"},"content":{"rendered":"\n\n<div id='block-header-basic-block_dea7f7728677e64862078244e3efedcc'  class='flexi-block header-basic-block pt-8 lg:pt-16 pb-8 lg:pb-16 relative '>\n\n\n    <div class=\"relative \">\n\t\n\t<div class=\"container flex flex-col mx-auto    justify-end py-11 md:py-9 lg:py-11 \">\n\t\t<div class=\"first-mt-0 \">\n                            <h1 class=\"h2 lg:h3 !mb-0\">\n                    EV Insurance Ireland                <\/h1>\n                    <\/div>\n\n\t\t\t\t\t<div class=\"relative flex flex-wrap justify-between w-full mx-auto\">\n    <div class=\"w-full py-5 breadcrumbs\">\n        <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav>    <\/div>\n<\/div>\t\t\t<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block-fifty-fifty-img-txt-block_17d22d6880f5417445e960840df48805\"  class=\"bg-white flexi-block fifty-fifty-img-txt-block  \">\n\t<div class=\"container relative z-10 flex flex-wrap justify-center pb-0 mx-auto pt-8 lg:pt-16 pb-8 lg:pb-16 \">\n        <div class=\"flex flex-wrap w-full justify-center lg:justify-between items-center    lg:flex-row-reverse\">\n\n            \n                <div class=\"w-full load-hidden image-wrapper lg:w-1\/2 md:max-w-[500px] lg:max-w-none  xl:pl-3.9\">\n                    <img decoding=\"async\" width=\"650\" height=\"330\" src=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/how-far-can-an-electric-car-go.png\" class=\"w-full rounded-2.5xl\" alt=\"\" style=\"opacity: 1\" loading=\"lazy\" srcset=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/how-far-can-an-electric-car-go.png 650w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/how-far-can-an-electric-car-go-300x152.png 300w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/how-far-can-an-electric-car-go-600x305.png 600w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/how-far-can-an-electric-car-go-250x127.png 250w\" sizes=\"auto, (max-width: 650px) 100vw, 650px\" \/>                <\/div>\n\n            \n            \n                <div class=\"w-full self-center lg:w-1\/2 md:max-w-[500px] lg:max-w-none lg:pr-20 2xl:pr-45 pt-12 lg:pb-0 load-hidden content-wrapper\">\n                    <div class=\"w-full first-mt-0 last-mb-0 \">\n                        <h1 class=\"h3  text-left  \">Introduction to electric cars<\/h1>\n<p>With the demand for electric cars on the rise in Ireland it is no wonder that some of the most commonly asked questions is that around running costs range and other additional costs such as tax insurance and servicing. Within this guide we aim to help you understand the overall cost of of owning an electric vehicle and insuring one. It is no surprise that one of the most frequently asked questions is how much is EV insurance? While the answer isn\u2019t such a black and white, our guide does give you a good overview regarding the average cost of an insurance premium for an electric vehicle compared to that of a standard combustion engine vehicle.<\/p>\n<p>Of course, when assessing the costs of taxing, insuring and servicing your electric car, you should also take into account the huge savings which you will be making on fuel costs compared to a petrol and diesel engine vehicle. When taking into account the reduction in fuel costs and tax, electric vehicles do typically come out as the cheaper option when it comes to the overall cost of ownership over a five-year period.<\/p>\n                    <\/div>\n                <\/div>\n\n                    <\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n\n<div id='block-simple-content-block_893b1a0bc5686a13d7e4b07562600fe2'  class='flexi-block simple-content-block pt-8 lg:pt-16 pb-8 lg:pb-16 '>\n\n    <div class=\"container mx-auto wide-container\">\n\n        <div class=\"content-inner bg-white rounded-2.5xl \">\n\n            <div class=\"mx-auto first-mt-0 last-mb-0 max-w-[90%] xl:max-w-[990px]  \">\n\n                <p style=\"text-align: center;\"><h1 class=\"h3  text-center  \">How much is EV insurance?<\/h1><\/p>\n<p style=\"text-align: center;\">Through extensive research, we found that the average premium price for an electric car is \u20ac550, which is compared to the average price of \u20ac486 for a typical standard combustion engine car.<\/p>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id='block-simple-content-block_45b0dd795cb2430dafa6a566d512774b'  class='flexi-block simple-content-block pt-8 lg:pt-16 pb-0 '>\n\n    <div class=\"container mx-auto wide-container\">\n\n        <div class=\"content-inner bg-white rounded-2.5xl \">\n\n            <div class=\"mx-auto first-mt-0 last-mb-0 max-w-[90%] xl:max-w-[990px]  \">\n\n                <h3 class=\"h3  text-center  \"> What are the benefits of owning an electric car?<\/h3>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\t<div id='block-columns-block_b62ccf26758e8c409979b046655edd6b'  class='bg-white flexi-block columns-block pt-8 lg:pt-16 pb-8 lg:pb-16 columns overflow-x-hidden'>\n\t\t<div class=\"container relative z-10 mx-auto max-w-8xl\">\n\t\t\t<div class=\"grid grid-cols-1 gap-7.5 lg:grid-cols-3 \">\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Eco-friendly<\/h3>\n<p>There are an array of benefits that come with the ownership of an electric car, the most obvious of these being that they are better for the environment by producing zero emissions. Most buyers who are looking to switch to electric cars are those with an eco-conscious background and are looking for a more green option to help the planet.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Cost savings<\/h3>\n<p>When it comes to those who are making a purchase decision based on cost electric vehicles have no road tax which in some circumstances can save you up to \u20ac1,117 a year just on this expense. The annual flat rate on a new combustion engine vehicle is \u20ac180, so at a minimum, by owning an electric vehicle you are saving on this. They are also cheaper to run, costing around 4-6p per miles to run, which is considerably less than the average 21p per mile for petrol and diesel vehicles.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Less maintenance<\/h3>\n<p>With an electric vehicle, you do not need to worry about regular oil changes or periodically changing incidental parts such as fan belts, gaskets and radiator hoses. Some electric car owners have even reported driving their vehicles 70,000 miles or more on original brake pads.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n<div id='block-simple-content-block_743b822bd420080ee2aace509c6d9202'  class='flexi-block simple-content-block pt-8 lg:pt-16 pb-0 '>\n\n    <div class=\"container mx-auto wide-container\">\n\n        <div class=\"content-inner bg-white rounded-2.5xl \">\n\n            <div class=\"mx-auto first-mt-0 last-mb-0 max-w-[90%] xl:max-w-[990px]  \">\n\n                <h3 class=\"h3  text-left  \">Different types of EV insurance<\/h3>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\t<div id='block-columns-block_697244e6eeaa61cb6d3b30a2c69dad04'  class='bg-white flexi-block columns-block pt-8 lg:pt-16 pb-8 lg:pb-16 columns overflow-x-hidden'>\n\t\t<div class=\"container relative z-10 mx-auto max-w-8xl\">\n\t\t\t<div class=\"grid grid-cols-1 gap-7.5 lg:grid-cols-3 \">\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Comprehensive car insurance<\/h3>\n<p>Comprehensive EV insurance is the most premium level of insurance you can get. It covers you against all claims to your vehicle and another parties. Providing all of the details you have submitted to the insurance company are accurate.<br \/>\nComprehensive car insurance will typically cover you for:<\/p>\n<p>Repair or replacement costs if your car\u2019s damaged<\/p>\n<p>Repair or replacement costs if your car\u2019s stolen or catches fire<\/p>\n<p>Claims made against you for people, passengers and their property<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Third party, fire and theft<\/h3>\n<p>This is an intermediate level of cover which does not cover Repairs are costs to your own vehicle but it does cover other road users people and their are property. therefore if you are at fault for an accident your insurance company will cover the costs of the damage to the other parties vehicle and any medical costs associated to them but any damages to your own vehicle would not be covered. the only instance where this level of insurance covers your own vehicle is if it is involved in a theft or is damaged by fire.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-3\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow pb-7 lg:pb-10 !pt-0 \">\n\t\t\t\t\t\t\t\t<h3 class=\"h3  text-left  \">Third party only<\/h3>\n<p>Third party only is the most basic level of insurance provided within the UK it is the lowest level that you are allowed to legally drive your own vehicle on it covers the costs and repairs to another parties vehicle but your own vehicle will not be covered at all. unlike a third party fire and theft third party only insurance does not cover you if your vehicle is stolen or damaged by fire. essentially any repair which may need to be undertaken on your own vehicle will not be covered on your insurance policy.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n<div id='block-simple-content-block_91c9228674ec8485188c5f73b7358029'  class='flexi-block simple-content-block pt-8 lg:pt-16 pb-0 '>\n\n    <div class=\"container mx-auto wide-container\">\n\n        <div class=\"content-inner bg-white rounded-2.5xl \">\n\n            <div class=\"mx-auto first-mt-0 last-mb-0 max-w-[90%] xl:max-w-[990px]  \">\n\n                <p style=\"text-align: center;\"><h3 class=\"h3  text-center  \">What factors go into an EV insurance quote?<\/h3><\/p>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\t<div id='block-columns-block_98a4ee6213f71e6fa6390a8d487fc504'  class='bg-white flexi-block columns-block pt-8 lg:pt-16 pb-12 md:pb-20 lg:pb-32 columns overflow-x-hidden'>\n\t\t<div class=\"container relative z-10 mx-auto max-w-8xl\">\n\t\t\t<div class=\"grid grid-cols-1 gap-7.5 lg:grid-cols-2 \">\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-2\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow content-wrapper relative sm:px-10 pb-7 xl:pl-20 xl:pr-32 lg:py-16 pt-9 pb-8 md:pb-[62px] lg:pt-14 md:pt-16 sm:bg-grey-19 rounded-b-2.5xl !rounded-2.5xl \">\n\t\t\t\t\t\t\t\t<p>As with typical standard combustion engine vehicles, EV insurance quotes are dependent on a number of factors. two people insuring the same car at the same household can have different insurance quotes for example, which could be based on their difference in age, occupation or they\u2019re driving history. when inputting your details to generate insurance quotes whether this before a standard vehicle or an electric vehicle the following factors will all be taken into account:<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"w-full w-full load-hidden flex flex-wrap flex-col column column-2\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"w-full first-mt-0 last-mb-0 grow content-wrapper relative sm:px-10 pb-7 xl:pl-20 xl:pr-32 lg:py-16 pt-9 pb-8 md:pb-[62px] lg:pt-14 md:pt-16 sm:bg-grey-19 rounded-b-2.5xl !rounded-2.5xl \">\n\t\t\t\t\t\t\t\t<ul>\n<li>Your annual mileage<\/li>\n<li>Where you park the vehicle during the day and overnight<\/li>\n<li>Your driving history<\/li>\n<li>Your age<\/li>\n<li>Your address<\/li>\n<li>Your occupation<\/li>\n<li>Family and living arrangements<\/li>\n<li>Access to other vehicles<\/li>\n<li>The vehicle itself, including safety features and value<\/li>\n<li>The optional coverages you include (e.g., collision, comprehensive)<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n<div id='block-fifty-fifty-img-txt-full-width-block_f16a99a4fd7e04d6d0af5de3630e8a14'  class='bg-greylight flexi-block fifty-fifty-img-txt-full-width-block pt-12 md:pt-20 lg:pt-32 pb-12 md:pb-20 lg:pb-32'>\n\t<div class=\"relative z-10 flex flex-wrap w-full max-w-3xl m-auto  flex-col-reverse lg:flex-row-reverse image-right\">\n\n        \n            <div class=\"w-full pt-20 img-wrapper lg:w-1\/2 image-left lg:pt-0 \">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"700\" src=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1.jpeg\" class=\"w-full h-full load-hidden block object-cover \" alt=\"\" style=\"opacity: 1\" srcset=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1.jpeg 700w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1-300x300.jpeg 300w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1-150x150.jpeg 150w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1-600x600.jpeg 600w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/smaller2-1-scaled-e1611936470983-700x700-1-250x250.jpeg 250w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/>\n            <\/div>\n\n        \n        \n            <div class=\"container flex items-center justify-center mx-auto lg:w-1\/2 pt-20 lg:py-30 2xl:py-75\">\n                <div class=\"w-full lg:max-w-[27rem] xl:max-w-md first-mt-0 px-2.5 lg:px-0 last-mb-0 content-wrapper load-hidden\">\n                    <h3 class=\"h3  text-left  \">Why does it cost more to insure an electric car?<\/h3>\n<p>It typically costs 12% more annually to insure an electric car than a standard vehicle as electric cars operate differently. As they are newer to the market the cost of parts and labour is much more expensive and specialised. Not all mainstream dealers and garages offer mechanics which can deal with electric vehicles, which does therefore make the cost and demand for the services much higher and unique.<\/p>\n<p>Typically an electric car costs more than its standard combustion engine equivalent to purchase outright. Therefore when it comes to your insurance quote the value of the vehicle being insured can be slightly higher which is therefore reflective in your insurance cost.<\/p>\n<p>Electric vehicles also have expensive batteries and should your insurance company need to cover the cost of these they are pricey, again this is representative in the price increase of electric car insurance.<\/p>\n                <\/div>\n            <\/div>\n\n        \n\t<\/div>\n<\/div>\n\n\n\n<div id='block-featured-products-block_666856f88778b7b195bdad825492cd80'  class='flexi-block featured-products-block pt-12 md:pt-20 lg:pt-32 pb-8 lg:pb-16'>\n\t<div class=\"container mx-auto max-w-8xl\">\n\t\t<div class=\"flex flex-wrap lg:-mx-4\">\n\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"w-full lg:px-4 lg:w-1\/3 lg:mb-0 info-box load-hidden mb-5 min-h-[364px] lg:min-h-[662px] 2xl:min-h-[782px]\">\n\t\t\t\t\t\t\t\t<div class=\"rounded-2.5xl flex relative overflow-hidden flex-wrap w-full h-full p-7.5 md:px-10 md:py-9 bg-contain bg-no-repeat bg-grey-19\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"z-10 w-full break-words lg:w-11\/12 first-mt-0 last-mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"h3  text-left  !font-product !font-normal\">zappi<\/span>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"w-full image-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"452\" height=\"773\" src=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/zappi_product1.jpg\" class=\"absolute top-0 left-0 object-cover w-full h-full image block\" alt=\"\" style=\"opacity: 1\" srcset=\"https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/zappi_product1.jpg 452w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/zappi_product1-175x300.jpg 175w, https:\/\/www.myenergi.com\/ie\/wp-content\/uploads\/sites\/5\/2022\/08\/zappi_product1-146x250.jpg 146w\" sizes=\"auto, (max-width: 452px) 100vw, 452px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"z-10 flex flex-col items-start self-end w-full first-mt-0 last-mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\" target=\"_self\" class=\"mt-3 mr-2 btn  !bg-green !border-green !text-greydark \">Discover zappi<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","guides-category":[122,136],"class_list":["post-42640","guides","type-guides","status-publish","hentry","guides-category-evs-charging-guides","guides-category-frequently-asked-questions"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/guides\/42640","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/guides"}],"about":[{"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/types\/guides"}],"version-history":[{"count":3,"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/guides\/42640\/revisions"}],"predecessor-version":[{"id":47242,"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/guides\/42640\/revisions\/47242"}],"wp:attachment":[{"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/media?parent=42640"}],"wp:term":[{"taxonomy":"guides-category","embeddable":true,"href":"https:\/\/www.myenergi.com\/ie\/wp-json\/wp\/v2\/guides-category?post=42640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}