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Protect Your Journey: Choosing the Right Hybrid Car Insurance

If you own a hybrid car, then you might be concerned that the price you’ll pay for car insurance will be extremely steep. Whilst it’s true that cover for hybrid cars is usually higher than that for petrol or diesel cars, that doesn’t mean you can’t find cover at a reasonable rate. The majority of insurance providers offer cover for hybrid cars these days and by getting a lot of quotes, you can ensure you get the best price.

Click the green button if you want to get tailored hybrid car insurance quotes now. If you’d like to find out more about hybrid car insurance first, then you can see the different types of cover below as well as ways to save money and FAQs.

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Did you know…?

Hybrid cars usually cost more to insure than petrol or diesel cars but as they become more popular, the price is coming down.

Why You Need Hybrid Car Insurance

If you own a hybrid vehicle, you’ll need to get hybrid car insurance rather than a standard car insurance policy. A hybrid policy comes with all the same options as a standard policy and will make your car road legal for full peace of mind.

Cover Options Hybrid Car Insurance

The type of car insurance you opt for will determine the level of coverage you secure. The main types available in the UK include:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and is the minimum legal requirement in the UK. It takes care of injuries to others and damage to other people's property, but it does not cover any damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage of your car due to fire and theft.
  • Comprehensive Car Insurance: This offers the highest level of coverage. It includes all elements from the Third-Party, Fire and Theft policy, and might also assist in covering the cost of repairing or replacing your vehicle, regardless of the cause of the accident.

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Did you know…?

The type of car being insured is just one fact that affects the cost of insurance. Your age, driving experience and occupation all play a role too.

Why It's A Good Idea to Get Hybrid Car Insurance Quotes

Getting Hybrid Car Insurance quotes is a very good idea and below are some reasons why.

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Hybrid Car Insurance - Optional Cover to Consider

Below are some of the additional types of Hybrid Car Insurance to add more protection for your car.

  • Personal Accident Cover: In the unfortunate event of a serious accident, this cover provides financial support for you or any named driver, in case of certain injuries.
  • Key Cover: Ever lost your keys or had them nicked? This cover handles the cost of replacement, and even foots the locksmith's bill.
  • Foreign Use Cover: Planning a road trip abroad? This gives you the same level of cover as back home, giving you one less thing to worry about.
  • Excess Protection Cover: This takes care of your excess cost if you need to make a claim, meaning you won't be digging into your own pockets when you least expect it.
  • No Claims Discount Protection: This ensures your no claims discount stays untouched even if you make a claim, helping you keep your premiums low in the future.
  • Breakdown Cover: This add-on provides roadside assistance whenever your car decides to take an unexpected break, giving you peace of mind on every journey.
  • Windscreen Cover: Protects your windscreen from any unexpected damage, ensuring your view of the road is always top-notch.
  • Legal Cover: If you find yourself in a legal dispute due to a road incident, this cover gives you financial protection against any legal costs.
  • Misfuelling Cover: Accidentally filled up with the wrong fuel? This protects you against any resulting repair costs.
  • Uninsured Driver Protection: This ensures you're not left picking up the tab if an uninsured driver hits your vehicle, covering your excess and keeping your no claims discount safe.
  • Courtesy Car Cover: If your car needs a bit of TLC after an accident, this cover makes sure you're not left without wheels, providing a courtesy car.
  • Child Car Seat Cover: After an accident, this cover provides funds to replace any child car seats, even if they don't appear to be damaged.

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Did you know…?

A fully comprehensive policy will also cover the battery of your car.

Hybrid Car Insurance - Ways To Reduce Costs

Below are some great ways to save money on Hybrid Car Insurance

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Compare Hybrid Car Insurance Quotes Now!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

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Hybrid Car Insurance FAQs

Why do hybrid cars cost more to insure?

Hybrid cars cost more to insure because they’re usually higher value compared to their standard petrol counterparts. There’s also the fact that batteries in hybrid cars are very expensive and if you take out a fully comprehensive policy, they’ll also be covered.

Is the type of car I have the main thing that affects what I pay?

No. Although the type of car is definitely a big factor, there are other things insurance providers take into account. These include your age, location, occupation and where your car is parked.

Are hybrid cars only suitable for people who live in the city?

No. Although you can certainly benefit by avoiding low emission zone charges by having a hybrid car when you live in a major city, plenty of people who live in rural areas opt for hybrid cars too.

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