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Guide to car insurance for your hybrid car.
Car Insurance | 5 minute read | 14 May 2025
- How hybrid technology impacts car insurance.
- Factors affecting hybrid car insurance costs.
- Tips for insuring your hybrid car.
- How does Everyday Car Insurance cover my hybrid car?
- What Car Insurance policies does Everyday Insurance offer?
- Optional extras to tailor your policy.
- Everyday Car Insurance for your hybrid vehicle.
- Why pick Everyday Car Insurance?
Hybrid cars have surged in popularity across Australia, offering a compelling blend of fuel efficiency and reduced emissions. As more drivers make the switch, understanding the ins and outs of car insurance for these vehicles becomes essential.
The good news is that you generally don't need a specific "hybrid car insurance" policy. Standard comprehensive car insurance in Australia typically covers hybrid vehicles. However, there are nuances to consider that can influence your insurance premiums and the type of coverage you might need.
How hybrid technology impacts car insurance.
While the fundamental risks of driving (accidents, theft, natural disasters) remain the same for hybrid cars as for their petrol or diesel counterparts, the unique technology of hybrids can have some implications for insurance.
Higher purchase price.
Hybrid vehicles often have a higher initial cost than comparable petrol or diesel cars. This higher value might translate to slightly higher insurance premiums, as the cost to replace the vehicle in case of a total loss can be greater.
Specialised repairs and parts.
Hybrid cars contain both a traditional internal combustion engine and an electric motor, along with a battery system. Repairs to these specialised components can be more complex and may require technicians with specific training. Sourcing hybrid-specific parts, such as the battery, can also be more expensive than traditional car parts, potentially increasing repair costs and, consequently, it may affect insurance premiums.
Battery coverage.
A key concern for hybrid owners is the coverage of the high-voltage battery. Most comprehensive car insurance policies in Australia may cover the hybrid battery if it's damaged due to a covered event like an accident, fire, theft, or storm. However, wear and tear or mechanical failure of the battery are generally not covered under standard policies. Some insurers might offer extended warranties or specific add-ons for battery protection, so it's worth checking the Product Disclosure Statement (PDS).
Safety features.
Many modern hybrid vehicles come equipped with advanced safety features, which could sometimes lead to lower premiums on your car insurance. Features like automatic emergency braking, lane departure warning, and adaptive cruise control can reduce the risk of accidents.
Factors affecting hybrid car insurance costs.
The cost of insuring your hybrid car in Australia is influenced by a range of factors, many of which are the same as for any other vehicle.
Make and model: the specific make and model of your hybrid car, its market value, and its repair costs could impact your premium.
Your age and driving history: younger and less experienced drivers, as well as those with a history of accidents or traffic violations, typically have higher premiums.
Location: where you live can affect your insurance costs due to varying rates of theft, vandalism, and accidents in different areas.
Level of coverage: comprehensive insurance, which covers damage to your own vehicle as well as third-party damage, could be more expensive than third-party only policies.
Excess: the amount you choose to pay out-of-pocket in the event of a claim (your excess) can influence your premium. A higher excess usually results in a lower premium.
Optional extras: adding extras like roadside assistance or windscreen cover could increase your overall insurance cost.
Discounts: many insurers offer various discounts, such as discounts for low-mileage drivers. Everyday Insurance offers, Drive Less Pay Less, a Comprehensive cover at a lower cost for cars that are driven 15,000km,or less, per year.*
Tips for insuring your hybrid car.
Securing the right insurance for your hybrid car begins with cover comparison to find the policy type that best suits your needs and budget.
It’s important to read the Product Disclosure Statement (PDS) for inclusions, exclusions, and any specific conditions relevant to hybrid vehicles, particularly battery coverage.
For newer or higher-value hybrids, explore the benefits of an agreed value policy, where you and the insurer pre-determine the car's worth, offering greater financial certainty in case of a total loss.
Regularly review your policy as your car ages or your circumstances shift to ensure your coverage remains adequate.
How does Everyday Car Insurance cover my hybrid car?
Everyday Car Insurance policies are designed to cover the fundamental risks that every car owner faces. This means that your Comprehensive hybrid car insurance or electric car insurance policy with Everyday Insurance includes essential coverage such as:
Accidental damage: whether it's a collision with another vehicle or an unfortunate run-in with a rogue shopping trolley, our policies can help cover the costs of repairing the damage to your car.
Theft and vandalism: the distress of finding your car stolen or damaged is something no one wants to experience. Our coverage can help you recover financially from these unfortunate events.
Natural disasters: Australia's diverse climate can bring unpredictable weather. From damaging storms and floods to the threat of bushfires, our policies offer protection against these natural occurrences.
Above is a limited summary only. Please read the Car Insurance Product Disclosure Statement for full terms, conditions, limits and exclusions that apply.
What Car Insurance policies does Everyday Insurance offer?
To cater to different needs and budgets, Everyday Car Insurance offers a range of insurance products, including:
Optional extras to tailor your policy.
Everyday Car Insurance for your hybrid vehicle.
Choosing a hybrid car doesn't mean you need specialised or complicated insurance. With Everyday Car Insurance, you can get the comprehensive coverage you need without any extra fuss.
The fundamental insurance principles remain the same for electric vehicles. Whether you drive a petrol car, a hybrid car, or an electric car, the core risks of accidental damage, theft, and liability are consistent.
At Everyday Car Insurance, we're committed to understanding and adapting to the evolving automotive landscape. Whether you're looking for comprehensive car insurance for your hyrbid or electric, we're here to provide coverage options that best suit your needs.
Why pick Everyday Car Insurance?
* Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Eligibility for Drive Less Pay Less is determined by your individual circumstances, including the kilometres selected and other risk factors and underwriting criteria.
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* Savings between $0 to $320 derived from premium comparisons between Everyday Comprehensive car cover option and Drive Less Pay Less option. Calculations based on profiles of existing Everyday Car Insurance customers who drive 15,000km or less annually. Current as at 06 March 2024. Eligibility for Drive Less Pay Less and actual savings is determined by your individual circumstances, including the kilometres selected and other risk factors and underwriting criteria. Minimum premiums may reduce savings. Kilometres can be increased to a limit of 15,000km per period of insurance for an additional premium. In the event of a claim, if the end odometer reading is exceeded, an additional Outside odometer excess will apply.
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Cover and benefits are subject to eligibility criteria and terms and conditions, including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Car Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.
