Electric vehicle insurance in Greece operates in the same basic way as for conventional gasoline or diesel vehicles, however, it also has some special coverage that responds to the specificities of electric mobility.
We cooperate with the most reliable insurance companies in the Greek and international market and carefully examine the needs of each electric car driver. Based on the characteristics of the vehicle and its use, we recommend programs that combine complete protection, specialized benefits and competitive costs.
What does electric vehicle insurance cover?
Basic coverages (mandatory):
- Third-party liability for bodily injury.
- Third-party liability for material damage.
Optional coverages:
- Roadside assistance.
- Glass breakage.
- Vehicle theft.
- Fire or damage from natural phenomena.
- Mixed coverage (own damage).
Specialized coverages for electric vehicles vehicles:
- Battery Coverage: The battery is the most expensive component of an electric car. Some insurance companies cover damage or replacement, under certain conditions.
- Cable and charger coverage: Protection in the event of damage or theft of the charger and charging cables.
- Roadside assistance due to battery depletion: Transporting the vehicle to a nearby charger in case it runs out of power.
- Fire due to overcharging: Extension of classic fire coverage to cover damage from short circuit or charging failure.
- Replacement with electric vehicle: Provision of a replacement vehicle in the event of damage.
Factors affecting the cost
Premiums are formed by:
- Driver's age.
- Years of experience behind the wheel.
- History damage (bonus-malus).
- Residential address.
- Vehicle characteristics (displacement, horsepower, commercial value).
Usually, electric vehicles have lower insurance premiums compared to their gasoline or diesel counterparts, as they are considered more ecological, are generally driven more gently and have a lower accident frequency. However, due to the high cost of repairs – especially the battery – mixed insurance often costs more.
What is needed for insurance
To take out electric vehicle insurance, you will need:
- Registration license.
- Driving license.
- Police ID or passport.
- Owner's tax ID.
- In some cases, photos of the vehicle.
Useful remarks
- It is important to check whether the insurance company provides special coverage for electric vehicles, as they are not always offered in all plans.
- Choosing a plan with battery or charging cable coverage can prove to be particularly useful and cost-effective in the long run.
- Roadside assistance for battery depletion is a benefit that ensures confidence and comfort in everyday use.
