Hybrid Car Insurance

Compare Insurance Quotes For Hybrid Vehicles in the UK

Are hybrid cars more expensive to insure? 

Not as a rule. In the past, there were issues with hybrid cars and electric vehicles having relatively new technology. This meant their parts were more expensive, and fewer technicians or mechanics were qualified to make repairs. 

As hybrid cars become more common, this is less of an issue. However, most hybrid cars are higher-end models and fall into higher insurance groups. This means they can often cost more to insure than their petrol or diesel counterparts.

Several distinguishing factors could make hybrid vehicles more expensive to insure than regular cars.  

These can include: 

• A large portion of the insurance costs are based on the value of the vehicle. Hybrid cars tend to be more valuable than many regular cars. 
• Hybrid cars tend to be rarer than other types of cars. This can lead to higher costs for parts and repairs. 
• You have less choice of garages that can repair hybrid cars. Hybrids require specialist equipment and knowledge as they are more complicated to work on. 
• Hybrids are desirable cars and can face a higher risk of theft. 

As hybrid car trends change as the UK approaches the ban in 2035, the insurance cost gap between hybrid and traditional fuel vehicles is likely to keep diminishing. However, whether the UK will be ready for the switch is another question, as motorists share their reluctance to switch and charging points fail to meet demands. 

What is the average hybrid car insurance cost?  

To get an idea of car insurance averages, you can consult our car insurance price index. It takes into account all car models in a random sample of over 100,000 UK car insurance policies.

For hybrid vehicle insurance specifically, the cost will vary significantly based on the individual policyholder and the assessments of the insurer. This assessment takes into account your age, driving record and other personal details, as well as the model and features of your hybrid car. 

You can easily find out what you could pay based on your unique risk profile when you compare hybrid vehicle insurance with Quotezone.

What does hybrid car insurance cover? 

Hybrid car insurance can provide protection and coverage for the same risks as regular car insurance. The main point to consider is the level and type of insurance that you select. 

Comprehensive hybrid insurance 

You will receive the most complete protection with comprehensive coverage. It covers damages or loss to your own vehicle, as well as liability claims for damage or injury from third parties. 

Third-party only insurance for hybrid cars

The lowest form of insurance to legally drive in the UK is third-party insurance. Here you will only have cover for damage and injury you cause to other people and their property. 

Third party, theft and fire insurance

This will protect your car from damage or loss due to theft and fire, on top of third party protection. 

Does hybrid car insurance cover the battery?

This depends on the cover you choose. It’s essential to always check the coverage and exclusions of a policy before you buy, so you know exactly what you are protected for. 

For example, if you have fully comp insurance and the battery is damaged during an at-fault accident, then this will usually be covered by your policy. However, if you have third party, fire and theft cover, the battery may only be covered if it is stolen or damaged due to fire. 

Keep in mind that the battery may also be protected under the car’s warranty depending on its age. It’s important to check exactly what your warranty will cover, and under what circumstances. 

Where can I find cheap hybrid car insurance?  

If you are looking for cheap hybrid insurance, doing a proper comparison of the market is essential. Our platform here at Quotezone offers a solution designed to make comparing quotes as convenient as possible. With access to quotes from 120+ UK car insurers, you can increase your chances of securing a cheap deal that is tailored to your needs.  

What are the hybrid car insurance groups? 

The insurance group of a vehicle is assigned by the consensus of the Group Rating Panel and the Association of British Insurers (ABI). A few examples of the factors they use to place a hybrid vehicle in a specific insurance group include: 

• Specifications of the vehicle
• Cost of repairs 
• Safety and security features 
• Availability of parts 
• Value of the vehicle 

Hybrid cars are not all identical and can fall into a range of different insurance groups. For example, a hybrid car like the Toyota Prius typically falls into insurance groups between 14 to 20, while the more expensive Lexus CT 200h falls into groups between 17 to 21. Groupings can also change over time, so it’s always easiest to consult a reliable and up-to-date source to find the exact group for your specific car. 

Hybrid car insurance FAQs

Is every insurance provider willing to insure a hybrid car?

The fact that you’re insuring a hybrid car is unlikely to put many insurance providers off these days. Of course, there could be other risk factors that might influence whether or not a particular provider is willing to offer you a quote. For instance, if you have a history of motoring convictions or if you are a young, newly qualified driver.

Do I need specialist insurance for a hybrid car? 

No, you do not necessarily need specialist insurance. Most standard car insurance companies and policies can be used to provide coverage for a hybrid car. That is not to say that there are no benefits to taking out specialist insurance coverage for your hybrid vehicle.

Is it cheaper to insure a hybrid car? 

In general, it is more expensive to insure a hybrid car than a conventional car. It of course depends on which conventional car you are comparing it to. There are certainly some regular cars that will be more expensive to insure than a hybrid.

Are hybrids still a good option if I don’t live in a major city?

While hybrid cars benefit from exemptions to the Low Emission Zone charges that cities like London, Manchester and Birmingham are introducing, that’s not the only reason to opt for a hybrid. They also enjoy better fuel economy and are a more future-proof investment as we approach the changeover in 2035.