{"id":16755,"date":"2026-07-09T01:14:10","date_gmt":"2026-07-09T01:14:10","guid":{"rendered":"https:\/\/8657085.xyz\/?p=16755"},"modified":"2026-07-09T01:14:10","modified_gmt":"2026-07-09T01:14:10","slug":"why-electric-cars-cost-more-to-insure-and-whats-being-done-about-it","status":"publish","type":"post","link":"https:\/\/8657085.xyz\/?p=16755","title":{"rendered":"Why electric cars cost more to insure \u2013 and what&#8217;s being done about it"},"content":{"rendered":"<p> <div style=\"display: grid; grid-template-columns: 300px 160px; gap: 2px; width: 460px; background: #eee; padding: 2px;\">\r\n\r\n  <!-- \u6574\u884c\u5bbd\u5e7f\u544a -->\r\n  <div style=\"grid-column: 1\/-1; width: 460px; height: 250px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876674\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  <div style=\"grid-column: 1\/-1; width: 460px; height: 90px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876676\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n\r\n  <!-- \u5de6\u4fa7\u7ad6\u6392 -->\r\n  <div style=\"height: 250px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876672\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  <div style=\"height: 500px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876680\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n\r\n  <!-- \u53f3\u4fa7\u6469\u5929\u697c\uff08\u548c\u5de6\u4fa7\u5b8c\u5168\u5bf9\u9f50\uff09 -->\r\n  <div style=\"grid-row: 3\/5; height: 750px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876678\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  \r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e6\" data-zoneid=\"5876682\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n<\/div><br \/>\n<\/p>\n<div>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">According to the latest data from the Society of Motor Manufacturers and Traders (SMMT), EV sales have surged to the point that they made up almost one in every three new cars sold in the UK in June<span class=\"visually-hidden ssrcss-i2z2ig-VisuallyHidden e16en2lz0\">, <!-- -->external<\/span>.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Ian Plummer, chief customer officer of car selling website Autotrader, says the rising EV demand is &#8220;driven by intensifying competition and rising consumer interest in plug-in cars&#8221;.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">However, he said &#8220;the wider context remains fragile, with ongoing uncertainty around policy, incentives, and wider external pressures&#8221;.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">The insurance cost is one of those niggling concerns that could put off would-be buyers.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;It&#8217;s absolutely crucial electric vehicles become cheaper to insure,&#8221; insists Steve Fowler, co-founder of the car review website Carblah.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;They are expensive \u2013 though not as expensive as some people might think \u2013 but by making them easier to repair and cheaper to insure, more people will buy them.&#8221;<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">The issue, it seems, comes from the way many EVs are designed.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;There&#8217;s a real focus on keeping weight down, because electric vehicles are heavy,&#8221; says principal advanced technologies engineer Dan Harrowell.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;To save some weight, there&#8217;s a lot of integration of components. They&#8217;re glued together, rather than using fixings, which is great to reduce weight, but not great for repair, because you have to replace whole systems rather than individual components.&#8221;<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">In a nearby workshop, a nearly-new model from a mainstream manufacturer is jacked up on a ramp.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">This car was brought in following a relatively minor accident, and Harrowell points to a few scratches and scrapes on the protective casing of the battery underneath the car.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">The core of the battery, containing the cells which provide power for the car, is unharmed. But because the whole assembly is supplied as a single unit, it would need to be replaced in its entirety for a full repair.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Given the battery makes up about 40% of the value of the whole car, replacing it would be too expensive.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;Damage to the battery is much less common, but the sheer value of it means any damage at all, if it involves a replacement, risks writing off the vehicle,&#8221; he says.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Making batteries easier to repair might help solve this problem, although industry sources suggest insurers themselves have proved resistant to the idea.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">The surge of Chinese EV makers coming into the UK market has also created a few headaches, Horrowell adds.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Labour rates in China are much lower, which means there is little incentive to minimise the amount of work needed to mend a car. In Europe, labour costs are much higher, so the process of repairing a car needs to be simpler.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">&#8220;We&#8217;ve had to work with them to really help them to understand the difference in our market,&#8221; he explains.<\/p>\n<\/div>\n<p><!-- \u603b\u5bb9\u5668\uff1a\u6700\u5927\u5bbd908px Grid\u7d27\u51d1\u5e03\u5c40 -->\r\n<div style=\"display: grid; grid-template-columns: 728px 160px; gap:2px; width:908px; background:#eee; padding:2px;\">\r\n\r\n  <!-- \u901a\u680f\u9876\u90e8\uff1a\u6700\u5927\u6a2a\u5e45 908x258 \u8de8\u6574\u884c -->\r\n  <div style=\"grid-column:1\/-1; height:258px; background:#ff6b6b; display:grid; place-items:center;\">\r\n    <!-- JuicyAds v3.0 -->\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async src=\"https:\/\/poweredby.jads.co\/js\/jads.js\"><\/script>\r\n<ins id=\"1114307\" data-width=\"908\" data-height=\"258\"><\/ins>\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async>(adsbyjuicy = window.adsbyjuicy || []).push({'adzone':1114307});<\/script>\r\n<!--JuicyAds END-->\r\n  <\/div>\r\n\r\n  <!-- \u7b2c\u4e8c\u901a\u680f\uff1a728\u00d790 \u901a\u680f -->\r\n  <div style=\"grid-column:1\/-1; 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height:600px;  display:grid; place-items:center;\">\r\n    <!-- JuicyAds v3.0 -->\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async src=\"https:\/\/poweredby.jads.co\/js\/jads.js\"><\/script>\r\n<ins id=\"1114301\" data-width=\"160\" data-height=\"600\"><\/ins>\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async>(adsbyjuicy = window.adsbyjuicy || []).push({'adzone':1114301});<\/script>\r\n<!--JuicyAds END-->\r\n  <\/div>\r\n\r\n<\/div><br \/>\n<br \/><a href=\"https:\/\/www.bbc.co.uk\/news\/articles\/cgk6606j6zeo?at_medium=RSS&#038;at_campaign=rss\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to the latest data from the Society of Motor Manufacturers and Traders (SMMT), EV&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[4543,3576,1074,13982,962],"class_list":["post-16755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-cars","tag-cost","tag-electric","tag-insure","tag-whats"],"featured_image_urls":{"full":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc.jpg",1200,675,false],"thumbnail":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-150x150.jpg",150,150,true],"medium":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-300x169.jpg",300,169,true],"medium_large":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-768x432.jpg",640,360,true],"large":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-1024x576.jpg",640,360,true],"1536x1536":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc.jpg",1200,675,false],"2048x2048":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc.jpg",1200,675,false],"covernews-slider-full":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-1115x675.jpg",1115,675,true],"covernews-slider-center":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-800x500.jpg",800,500,true],"covernews-featured":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-1024x576.jpg",1024,576,true],"covernews-medium":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-540x340.jpg",540,340,true],"covernews-medium-square":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/0041f990-7959-11f1-b976-0b9c15b0ccfc-400x250.jpg",400,250,true]},"author_info":{"display_name":"admin","author_link":"https:\/\/8657085.xyz\/?author=1"},"category_info":"<a href=\"https:\/\/8657085.xyz\/?cat=2\" rel=\"category\">Business<\/a>","tag_info":"Business","comment_count":"0","_links":{"self":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts\/16755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16755"}],"version-history":[{"count":0,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts\/16755\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/media\/16756"}],"wp:attachment":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}