Car Insurance For Electric Vehicles Explained

20 November 2018

You’ve taken the leap into electric vehicles, leaving behind petrol fumes and high bills at the forecourt lured by the prospect of low running costs, no vehicle tax, and low emissions. Or maybe you’re just considering ditching fuel tanks for plugs and are doing the maths, calculating whether the savings you can rack up with an EV, from the government’s rebate to lower servicing charges, can offset the higher initial outlay.

While electric vehicles are exempt from vehicle tax and from charges in London’s congestion zone, and you can rack up discounts on parking permits from many councils, you can’t avoid some of the standard costs of owning a vehicle. A major, unavoidable expense is for car insurance, which is a legal requirement for any vehicle using or even parked on public roads in the UK. If you’ve never sought out or arranged insurance for an electric vehicle, you might be baffled about where to start.

Cost and Providers:

You may heard electric vehicles are significantly more expensive to insure and that you’ll need to see out a specialist provider. It’s true that the market for electric vehicles, and therefore for insurance for electric vehicles, is still in its infancy. As of the end of September 2018, there are just 178,000 plug-in vehicles (including fully electric vehicles and plug-in hybrids) registered in the UK, out of a total of 37.3m vehicles on our roads. But the number is rising quickly: there were 5,000 new registrations of plug-in vehicles each month of 2018, while in 2014 just 400 new plug-in vehicles were being driven off lots.

With the increasing uptake of EVs and hybrids, especially in the run up to the 2040 ban on petrol and diesel vehicles, the cost and complication of insuring them will fall. Electric vehicle insurance policies will become standard fare from mainstream insurers.

Today, the higher purchase price of EVs drives up insurance premiums for them, as insurers need to consider to cost of replacing your vehicle if it’s stolen or damaged beyond repair.

But even now you might find insuring an electric vehicle might be comparable to, or even cheaper, than insuring a petrol- or diesel-powered car, owing to the small size and less powerful engines on EVs and the discounts some insurers can give you for driving environmentally-friendly cars.

However, the process of obtaining insurance quotes and policies for an electric vehicle is different than that for EVs and a rundown will be helpful as you start your electrically-powered journey.

What Impacts Cost of Insurance for Electric Vehicles:

You’re probably familiar with the features of a standard vehicle that can inflate, or reduce, your monthly premiums for its insurance, including its car insurance group, the size of its engine, and purchase price. For insuring electric vehicles, there’s a new calculus, accounting for who owns the battery and the risk posed by (not kidding) power cables.

leased batteries:

Some EV manufacturers like Renault and Clio offer motorists the option of buying the vehicle outright but leasing its battery, with a monthly fee and mileage agreement. These arrangements spare you the steep cost of replacing batteries when they lose functionality after a few years. But if you’re leasing the battery, you’ll need to inform your insurer when obtaining quotes, as a leased battery will affect who needs to be paid if your electric vehicle is written off. Additionally, some policies may not cover leased batteries.

power cables and liability:

Much like your smartphone, your electric vehicle will need to be charged, just with a very big cord. If you’re charging in your driveway or garage, you won’t have to worry about the cord trailing large distances. But if you’re charging your vehicle while it’s parked on the street or at a public charging station, that cord could pose a tripping hazard. When obtaining an insurance policy for your electric vehicle, you should ensure it provides enough liability cover to protect you if a member of the public face-plants over your cable.

fires from at-home charging:

If your electric vehicle or cable fire while plugged in in your driveway or garage you might wonder which insurance policy will pay out: your home insurance policy or the one for your car. That ultimately depends on where the fire originates, but the risk of an electric fault within your vehicle causing a fire that then destroys you home can push up premiums for car insurance for EVs.

green discounts:

Some insurers will offer discounts of up to 5% on your annual premiums as a reward for you driving an environmentally-friendly car. Others will make charitable donations to green causes in your name from your premiums or plant a certain number of trees.

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There Is A Pothole Problem In America – How To Protect Your Car From Damage?

Drivers around the United States are complaining of potholes on the roads. In fact, there is a serious pothole problem in America. The AAA released their recent study report - which reveals that potholes cost the Americans drivers $3 billion a year. A pothole can damage your car other than making your ride bumpy. The suspension system of your car gets messed up when you drive over a pothole. On the other hand, potholes can bend the wheels of your car and puncture them in the process. Pothole-related repair costs can vary depending on the type of damage to your car. RepairPal is a good online tool to get an estimate on specific types of car repairs. Your location and other variables can affect the cost of repairs. In fact, the average repair cost will be around $300. You should contact a mobile mechanic Houston for assistance in this regard. $300 is a lot of money. For that amount of money, you can easily take your family to Disneyland. It is a pity that we have to deal with potholes on our road network since the government is responsible for providing its people with safe roads and bridges for travel. Potholes would make most of you mad. In fact, you should be writing to Congress and telling them to fund the road development projects in your area. There is at least one pothole in your daily commute. In fact, most people are complaining about it. Then there is another one and another one - which go on and on. These potholes are quite annoying and will damage your car upon impact. Public works associations have been repairing a lot of these potholes lately with the assistance of the public. Most potholes need urgent repairs today. You should pressurize the city councils to get the work done immediately. The city is not responsible for the damage caused to your car due to potholes on the roads - unless the work crews were negligent. Since the city doesn't insure the streets, they are not responsible for repairing damaged cars under the prevailing law. The American Automobile Association conducted a survey in 2016 and found out that potholes on the road networks have caused damages to the vehicles contributing to more than $3 billion per year for the last five years. Many public works associations have promised to repair potholes on roads within 48 hours of receiving a complaint from a resident. If you run into a pothole while driving, here are some tips to avoid them - courtesy of State Farm Insurance. Drive on familiar roads. In fact, you can easily avoid potholes when you drive on roads that are familiar to you. Make sure that you travel on roads that are well-lit. You will be able to see the surface of the road while driving in the night when the road is well-lit. Slow down and you can easily spot a pothole and avoid it while driving. Avoid tailgating. It is important that you give yourself time to be able to see the road conditions ahead when driving behind another vehicle. Brake before the impact. When you aggressively apply brakes, there is a greater load on the tires, wheels, and suspension system of the car. This can cause more damage to your car. That is why it is important that you brake at a distance before the impact. AAA provided the following tips: Check your tires for proper inflation at regular intervals. The tires are the main cushion between the wheels and suspension on your car and the pothole. Hence, it is important to check the inflation on a regular basis. Prevent swerving. Use your rear-view mirror before trying to avoid a pothole. It is important to prevent the risk of a collision. Listen for strange vibrations from the car. Pothole impacts can bend or break the suspension components in your car. It may also damage tires and wheels and dislodge wheel weights. Check the wheel alignment. A pothole can affect the steering of the car. It may knock the wheels of the car out of alignment in the process. How Do You Prevent Damages To The Car From Potholes? Driving is all about coping with potholes and traveling safely. In fact, damaged wheels and tires will leave motorists stranded at the side of the road - thereby leaving their wallets empty. The new Ford, Lincoln, and Mercury vehicles go through a stringent testing process in order to prevent damages caused by chuckholes. Ford uses several proving grounds in order to validate its vehicle designs such as Romeo, Mich., and Dearborn, Mich. These grounds are filled with different types of torture devices to test and improve the durability of the vehicle. The engineers at Ford design spare parts up-front to deal with these potholes. They balance these parts for numerous other custom driving conditions. The engineers will tune shock rebound rates in order to keep the wheel and tire suspended to glide over the pothole. This will prevent the tire from dropping into the pothole and impacting the edge of the tire and wheel. Ford Motor Company Offers Drivers Several Tips To Prevent Damage To The Vehicles From Potholes: Keep the tire pressure constant at the manufacturer's recommendation. This will help protect the wheels and tires from being damaged due to the impact of the pothole. Don't swerve to avoid a pothole. It creates a situation where the front wheel and tire hit the edge of the hole at an obtuse angle. This can do more harm than hitting the pothole squarely. If you are safe, don't brake as soon as you see a pothole. Instant braking will compress the car's front suspension and force the wheel and tire down the pothole without gliding over it. In fact, even if you drive very carefully, there is a chance of having a flat tire on the highway. Drive slow to the closest safe area out of traffic. Even though this can damage the flat tire - your safety is more important. If you suspect your car has been damaged or feel a sudden vibration, reduce your speed immediately. Drive slowly until you can safely pull off the road. Inspect your tires for damage. If the tire is flat, replace it with the spare wheel. If you can't find a cause, get your car towed to the nearest repair shop and have a mobile mechanic Houston inspect your car.

Tips for Buying a Beginner Mountain Bike

Planning to hit the dirt trail for the first time? Plus, are you in a dilemma as to which mountain bike suits you best? Well, I have some good news and bad news for you. The good news is that you’re not alone. The bad news is that the whole process might turn out to be trickier than you thought. I have some tips for you; tips that will help you make an educated decision. After all, you want the best performance, comfort, and quality for the price, don’t you? Read more and find out how to achieve that the easy way. 1. Get the Right Size: It’s not uncommon to hear one say “a medium-sized mountain bike works best for me.”But let’s be honest, a medium frame size for one brand might not have the same measurement as that of another brand. There’s a huge chance you might get the wrong fit. Consider a more practical approach. And for this, you need to take some measurements, which in most cases, are given by the manufacturers. Consider the reach, I mean the distance between the saddle and the handlebars. Additionally, consider the stack height, which is the distance between the center of the crank to the mid-section of the head tube. Remember, along front triangle is better for maximized grip and stability. So, you should consider going longer than the standard road bike measurements. In doing so, ensure there’s enough standover clearance. However, don’t go too low in order to maintain a full pedaling height. 2. Choose A Wheel Size: Unlike the frame, wheel size is more of a personal preference. But in most cases, the primary determining factors are the nature of the terrain and the riding conditions. There are two options for a mountain bike: 27.5-inch and 29-inch. 27.5-inch tires make the best choice for aggressive trail and downhill riding. The 29-inch plus size provides a better alternative to rolling over obstacles. It makes the best choice for cross-country and trail riding. Settle for 29-inch tires if you want to eat up more miles. Plus, consider it if you want to settle for a hardtail. For smashing trails, settle for 27.5-inch. 3. Full Suspension Or Hardtail? A majority of riders consider a hardtail as the best starting point. But in my opinion, the “bigger” full-suspension is better. Its advantages far outweigh the disadvantages. But depending on the terrain and how much you’re willing to spend, both should be given some consideration. For instance, consider a hardtail if you plan to ride smoother trails. Also, it makes a better option for a tighter budget. Consider a full suspension mountain bike if you need more comfort and speed for the technical trails. But in doing so, be ready to spend a bit more. Or, you can go for an old fashioned worm gearbox which has relatively low maintenance. 4. Choose Strength Overweight: For a road bike, going lighter is better. But for a mountain bike, strength is what matters a lot. You want something that can take a beating, maintain steering accuracy and speed, and keep up your confidence. So, a few extra pounds on your mountain bike won’t do harm. Conclusion: I hope this article has given useful practical skills and tips on how to choose your first mountain bike. As you do so, keep in mind that the best entry-level mountain bike isn’t complete without the right set of gear. So, consider keeping some budget for glasses, a backpack, and a dedicated trail helmet. Read Also: Is Investment Managers A Good Career Path In 2021? Is Commercial Banks A Good Career Path In 2021?

Car Shakes At Idle But Smooths Out While Driving – How To Fix This Problem?

You might have noticed some irregularities with your car, like how it’s vibrating more than usual, even while idle. This can happen due to many reasons. Therefore, people should know the reasons behind why their car shakes at idle but smooths out while driving. If you are looking for the answer to this question, then you have clicked on the correct link. In this post, you will learn why the above effect happens and what needs to be done to solve it. Why Does Car Shakes At Idle But Smooths Out While Driving And How To Fix This Issue? If you wish to know why your car shaking while idle, then there can be various reasons for this issue. Therefore, here are some of the most common reasons why your car shakes when idle: 1. The Motor Mounts Are Weak Image Source: foxrunauto.com As you already know, your engine is stored in the car's engine compartment. This is done with the help of motor mounts that are attached to the engine to keep it in place. When these mounts become weak, they might fall off one by one. This can create a situation where your car vibrates when idle. You can notice this the most when your car is in neutral. If it does so, then you better go to a mechanic to get it checked and fixed immediately. 2. Damaged Spark Plugs Image Source: cfx-wp-images.imgix.net Spark plugs are connected to your engine and are responsible for igniting the fuel that goes in it. However, after lots of use, these spark plugs can become greasy due to the accumulation of residue from burnt oil. This can cause the engine to misfire. Therefore, it's best to keep in mind that your spark plugs are best replaced after every 20,000 to 30,000 miles. However, if you have a car that has a diesel engine, then there’s no need to worry about this since diesel engines don't have spark plugs. 3. The Camshaft Timing Chain Is Loose Image Source: carparts.com Many cars have a camshaft timing chain, which helps all the camshafts stay attached to your engine valves and pistons. This can create a problem for you if the timing chain for your camshaft has a loose chain tensioner. If you don't get all the hoses of your engine inspected by a mechanic, then your complaint about your car shaking when idle will never cease. This is because it can cause an engine vacuum leak, increasing the pressure inside its cylinders and vibrating your car. 4. Battery Cables Are Loose Image Source: autochimps.com Another common reason why your car shakes at idle but smooths out while driving is because of loose battery cables. If you see your car wont start after getting gas, then this might be one of the reasons why. This can happen if you recently changed your car battery. It can happen if the battery is not correctly connected to the battery cables. After driving around town, there is a chance that your battery cables might become loose, which leads to vibrating cars. 5. The Sensors Are Dirty Or Worn Out Image Source: protectmycar.com Two primary sensors in your car that are essential for starting it up are - the throttle position and oxygen sensors. Since they are located so close to the engine, they get greased up over time, making them malfunction. Adjusting the throttle cable a bit too tightly might cause the car to turn even while idle. Also, it makes things rough while driving as your car might speed up irrationally at times. In the same vein, a dysfunctional oxygen sensor can lead to exhaust malfunctions. This can also be another reason why your car shakes while idle. 6. Faulty Ignition Control Module Image Source: pixfeeds.com Your car’s idleness can be disturbed if there are faults in the ignition control module. Here, your engine might not start since the control module wrongly sends a signal that makes your engine misfire the compression from your cylinders. You can quickly diagnose this problem if you see your car vibrating on idle, even when you are not pressing the accelerator while in gear. 7. The Gas Cap Is Loose Image Source: carparts.com One of the most common causes of your car shaking on idle is a loose gas cap. If the gas cap is loose, then air can leak inside, pressuring and vacuuming the engine even more. This increase in pressure can cause your engine to shake, even while the car is idle. Therefore, try checking your fuel cap. Open it yourself and then put it back. If you see the cap is loose, then you have found the main culprit. 8. Malfunctions In The Fuel Intake System Image Source: themotorguy.com If you see your car shaking when idle, then there is a high chance that the problem probably lies in your fuel intake system. The more you drive your vehicle, the more wear and tear your fuel intake system suffers, leading to blockages and malfunctions. Obstructions in your fuel intake valves can lead to less fuel going to your engine, which fails to start the engine properly. This leads to vibrations in your engine, which makes your car shake even while idle. Therefore, ask your mechanic and allow them to implement the use of an OBD2 scanner to find car engine malfunctions. This scanner will quickly pick up any obstructions in the fuel intake system. Frequently Asked Questions (FAQs): Here are the answers to some questions that people ask alongside why is my car shaking when idle: Q1. How Do You Diagnose Engine Vibration? Ans: To diagnose the reason why your engine is vibrating, you can do the following:First, place your car in a neutral state.Slowly start increasing the engine speed to an RPM which makes it vibrate. Q2. What Reduces Engine Vibration? Ans: To reduce the vibration of your engine, you can try making the coupling more flexible than before. Here, changing the spring and the damper will work wonders. Q3. Does Changing Engine Oil Reduce Vibration? Ans: Yes, changing the engine oil can indeed reduce your engine and car vibration. This will be most noticeable if the engine has not been changed for some time. In addition, this is more prominent in two-wheelers than in four-wheelers. Conclusion There are various reasons why your car shakes at idle but smooths out while driving. It can be due to iffy motor mounts, gas caps, damaged spark plugs, and battery cables. In addition, your ignition control system might be faulty as well, alongside worn-out sensors. In case you faced a similar situation, let me know in the comments below what you did! Read Also: How Car Detailing Can Keep Your Vehicle in Top Shape 7 Ways to Find the Best Auto Repair Shop for Your Vehicle How To Choose The Best Wheels And Tires For Your Vehicle

Car Insurance For Electric Vehicles Explained

Cost and Providers: