Top Tips To SAVE £££ On Electric Car Insurance - YouTube

welcome to today's video today's video I'm going to be going back really to do

an old video I did about electric car insurance but I'm gonna add some new

details to this and that is there is certain questions that you can answer

differently legally as long as you're telling the truth that will dramatically

decrease the price of your car insurance and depending on the insurer there's

some certain days you can apply for your car insurance quote which will

drastically affect the end price you pay on the quote and in some respect it can

save you hundreds and hundreds of pounds by just getting your quote on a

different selective day now if you don't know who I am I'm Nicolas Remo I make

videos every single week about electric cars transport etc now if you're

interested in watching more videos about electric cars learning more about EVs

and other things regarding that kind of green technology area please click down

below the little subscribe button and give this video a thumbs up at the end

if you're enjoying it now let's skip straight into some of the things that

you can do now some of these things I mentioned it's very important that I

stress that you only do these things if they apply to you and it's legal so

don't try and change something that isn't true but some of these things that

you can answer on electric car insurance and general car insurance questions

that will dramatically reduce the price you pay so number one is if you're

living with your partner put it on the quote that you're living with a partner

don't put a single if you're living with your partner put that if you're married

put that if you have children put that because having children having have

being married and living with a partner means that for some reason I'm under

insurance purposes you are less of a risk of having a crash therefore it

lowers your premium price now there's some other things that you can do which

is slightly altering your job title around so we're not saying to tell me

you do something else we are just talking about changing the description

of your job so for example if you are in my job a car sales manager sales manager

might be a cheaper alternative in saying car sales manager so I'm still telling

the truth I am a sales manager I'm just not putting the car sales

manager at the start and there is a website money-saving expert which will

give you a list there's a link down below give you a list of all the

different job titles that you can use which it you've put your job title in

and it will give you a list of five and you just pick the one that sounds the

most applicable to you some of them may not apply to you in which case do not

use them and it will tell you if that job description is a more expensive

premium or a cheaper premium when you add it in which is a great little tool

so that's the first one I advise to use this next one is very important that you

don't lie you tell the truth and that is where you park your car now the

insurance question when they ask you is where you usually park your car at night

now it's very important to note that if you park it on the road that is the most

expensive option reason is if you park it on the road you're more likely to

have your car damaged by a driver uninsured driver who may not leave these

details at night after he hits your car and writes off your your brand-new

Renault Zoe or brand-new Nissan Leaf so don't Park it on the road park it in

your garage you may say that might be the safest option it's hidden away it's

less likely to be stolen yes that is cheaper than the road but it's more

expensive than parking you drive and there's a couple of reasons for that one

if your car got stolen while it's in the garage you might not notice until a

couple of days if you're not using the car for a couple of days the burglars

could have stole your car out of the garage close the garage back up and you

were none the wiser you wouldn't be able to report that stolen car for a couple

of days number two is you're more likely to hit your garage and damage it and if

you damage that garage the insurance company have to firm pay for the car and

the garage to be fixed which is more expensive you drive is the cheapest

option so if you can park on the drive for the majority of your driving between

two cars if you can mainly be on the drive the most that is the cheapest

option very quick side note if you don't want to follow any of these tips and you

just want a pretty decent quick cheap insurance there is a company I mentioned

at the end where none of these tips will apply to they just give you the best

quote regardless of when you get the quote on how you do the quote these two

are odd ones that you wouldn't naturally think of the

ones you could probably work out yourself put these two are odd for

insurance companies they are the oddest and number one is fully comp is cheaper

than third party usually and the reason for that is insurance companies think if

you are willing to insure a car third party then you're less responsible in

your driving manner you basically don't care about the car you driving therefore

it hires the risk so if you get a quote for fully comp it will naturally be

cheaper the other one is some research conducted

by again money-saving expert which looked at when people got the quote

thirty days up to the day before the insurance quote and they found that the

they basically plot it on a graph which I'll display lovely on the side of the

screen here and they found that 21 days into before your renewal quote was the

cheapest date to get your insurance quality it could differ by a huge amount

according to the graph so yes if you're gonna get a insurance quote 21 days

before the renewal is the cheapest point which neatly brings me on to which

company to use for your electric car insurance now I have a Renault Zoe 22

kilowatt battery lease for the wife and that is the car that I'm going to be

using this insurance quote now it's very worth noting that I also have a BMW i3

120 amp hour which I also run the quote in exactly the same manner for this

video I'm going to be using the Zoe battery lease because it adds a little

bit of complexity and all the other cars will be a lot of simple to do they're

Zoe's the hardest to do so therefore if you're watching with a Zoe this video is

simple if you're watching with any of a car just do it as normal so if you have

a battery lease it's very worth noting that most insurance companies will need

to know the price of the car plus the battery lease

so with the car cost you six grand for example and the battery lease contract

says the battery six-round you need to add six plus six 12 grand

very simple that's all you need to do for every other car you just set the

total price of your car if it's a non battery lease just state the total price of your car

now LV have come up with some electric car insurance and they are the

first to market they're not but we'll just

play along with them and that is that they offer you breakdown insurance as

part of it if you run out of charge if you have a battery lease zoe you don't

need this element of battery recovery because it's included in your battery

lease but if you're non battery lease then it's useful and for other people it

is useful as well so is a nice little extra to have but it's not it's not a deal

breaker most insurance companies don't charge much to add breakdown cover on

anyway now LV came up with a price after using

all the tactics I know that make the quote a little bit more affordable a bit

cheaper and that is me as a second driver because I do drive the wife's car

so I need to be insured on it like that decreases it she watch it on the drive

because she needs to charge it we haven't got a charger in the garage and

she can't charge it on the road so 50% of the 52% of the time 53% of time

majority of the time she's on the drive so therefore that was put into that

equation they came up with I'll have to get my notes because I can't let's see my

screen shot they came up with four hundred and seventy three pound which is

more than I paid last year with plug in sure so I was like well pluginsure

sent me a renewal quote yet and typically when you get in your quote

back it's it's usually more so or maybe I'm sure it's just technically go up as

claims and people and crashes so I was like I'm after a bit more for the wife's

car insurance panic then I decided to use a general

compare website I think this one was money supermarket and the cheapest came

back was esure a little bit less shocking they came in it £397.95 and that

was including the total price the car with the battery lease and the battery

which is still dearer than what I paid the year before so I rang plug insure

and I asked them where my renewal document was and they said oh we just

post it out to you today and I was like great and then it came in the post and

was it more no it was actually less than the year i paid before not a lot less 3 pound

to be precise 3 pound than a couple of pence less than they paid last year

but what a shock first time I've ever ever had a renewal from the current

insurance company I am with that was less than I paid them in the previous

year so plug in sure if you don't know who they are I did a video about them

last year when I first discovered who they were they are a electric car

specialist for insurance that's pretty much all they do BMWs Nissan Leafs

the new mg EZs they've been doing quotes on which I've seen quite

competitive quotes often for the only manufacturer they do not insure on is

Tesla they can't get anywhere close on price so if you have a Tesla it's not

worth going to plug-insure if you have a Jaguar ipace a BMW i3 any other

electric car that is not a Tesla plug ins full electrics then go and use

pluginsure they are super cheap but cheap there's probably a wrong word they

are more competitive than other insurers with a lot of benefits they're a

family-run company they're based in Derbyshire they've been really helpful

with me with sort of giving me information on what I need to know about

electric cars and insurance wise they have also a supporter of Derbyshire Ev's

they're a sponsor of Derbyshire Ev's so they pay for leaflets and some of the Derbyshire

EV's associated things and they're a family business local family business in

Derbyshire and seem to be coming up cheaper than all the compare websites so

thank you from me to pluginsure if you do use them just let them

know that I sent you I'd like to let them know that for their

support in other EV communities that I'm telling you how good they are

they insured the BMW for example for I think it was£400 I think it's

four hundred pound dead on actually I think it's four hundred pounder BMW dead

on which was I think the cheapest quite a handle and moneysupermarket website at

the times like five hundred and fifty quid so it was how they're cheap I'm not

just telling you to go there because I use them I'm telling you to go there

because they are the cheapest if there was a cheaper quote somewhere else I'd

be making your video saying how cheap the other companies were I would

hoping that LV we're going to absolutely blow Plugunsure out the water after i was

speaking to them at fully charged and they've not got anywhere close so thank

you so much for watching this week's video please check out my other videos

and don't forget to click the subscribe button and check out patreon thank you

so much and I will see you again next week