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Hybrid car insurance

Compare car insurance quotes for petrol-electric hybrid cars

What’s a hybrid car?

Hybrid cars use a combination of electricity and petrol. They have an electric motor that’s powered by energy stored in batteries and a combustion engine that runs on petrol.

There are also a handful of diesel hybrid cars on the market, but they're relatively rare.

Hybrid cars emit less CO2, so they’re more environmentally friendly, but they can also save you money.

Combining the two fuel types also reduces the car’s running costs and hybrid owners pay a little less road tax. Choosing a PHEV for your company car can reduce company car tax, and you may avoid some congestion charges.

There are two types of hybrid cars:

  • Standard hybrids – These have batteries which are charged by the car while it’s on the move.
  • Plug-in hybrids (PHEVs) – PHEVs have bigger batteries that have to be connected to charging points to recharge.

Does a hybrid car cost more to insure?

Hybrid cars are more common than pure electric cars, so insurance quotes are often more competitive.

However, insuring a hybrid car may still be more expensive than taking out cover for a standard car, as the costs of parts are likely to be higher.

But these days the cost of insuring a hybrid is really quite similar to any other car – the price you may depends more on your personal circumstances, your own driving history and the value of your car.

To find the best quotes it’s a good idea to shop around and compare policies from a number of providers to find the best option to suit your needs.

How does a hybrid car work?

Hybrids offer the flexibility of being able to use two types of fuel.

They store electricity in a battery so they consume less petrol or diesel, but also have a longer range than a fully electric car.

Uually the battery will power the car at low speeds or shorter distances and the conventional engine takes over when the car reaches higher speeds or on longer journeys.

What are the advantages and disadvantages of hybrid cars?

If you’re thinking about making the switch to a hybrid vehicle, it’s a good idea to weigh up the pros and cons:

Advantages


  • A hybrid can help you save on fuel, especially if you’re able to rely on electric power for short journeys and use stop-start city traffic to recharge
  • They’re more eco-friendly than conventional vehicles and most hybrids are self-charging so you don’t need to make changes to how you fuel your car
  • You can travel further than an electric car and have similar ranges to conventional petrol and diesel cars
  • Plug-in hybrids can be a step towards owning an electric car, having lower emissions but the security of a petrol or diesel back-up
  • Hybrid cars tend to cost less than pure electric cars, depending on the make and model you choose, but PHEVs still qualify for the Electric Vehicle Homecharge Scheme
  • Hybrid cars that emit less CO2 than 75g/km and have a minimum zero-emission capable range of 20 miles are exempt from London congestion charges

Disadvantages


  • If you do lots of motorway miles, the extra weight of a hybrid car can reduce fuel efficiency so it may not be the most cost-effective option for you
  • Hybrid cars are not as eco-friendly as electric cars and don’t qualify for tax reduction and some government grant schemes
  • You need to charge PHEVs more often and they’ll have less range than electric cars
  • You’ll still need to fill your car up, so running costs are higher than electric cars
  • Buying a hybrid car can cost you more than buying a regular diesel or petrol car
  • With both a combustion engine and an electric motor, the maintenance costs of hybrid cars can cost more than servicing an electric car or conventional fuelled car
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