More and more people opt for electric motorcycles as an ecological and economic alternative compared to traditional combustion motorcycles. However, an aspect that can generate doubts by making the change of type of motorcycle can be the Difference in insurance for electric motorcycles and combustion. In NEXT Motors, we understand the importance of having adequate coverage, so we offer you this guide on the main differences between both types of insurance.
Insurance cost
Electric motorcycles:
Electric motorcycles usually have more economical insurance than combustion motorcycles. This is due to different factors:
- Less sinisterity: Statistically, electric motorcycles are usually involved in less serious accidents, since their conductors tend to use them for urban displacements.
- Lower repair costs: Although the pieces may be more expensive individually, it has fewer pieces and the maintenance of these is easier. This reduces the costs associated with repairs and, therefore, the cost of insurance.
Combustion motorcycles:
Combustion motorcycle insurance is usually more expensive. This is due to factors such as:
- Greater accidents: Combustion motorcycles are used more frequently on longer roads and paths, where the risk of accidents is usually higher.
- More mechanical components: Having more pieces that are susceptible to wear and tear, such as the gearbox or the engine, repairs will tend to be more expensive.
2. Insurance coverage
Coverage for electric motorcycles
Electric motorcycle insurance includes Specific coverage that are not found in traditional insurance, such as:
- Battery coverage: The battery is one of the most expensive components of an electric motorcycle, so many insurance include specific coverage to protect them in case of failures or robberies.
- Recharge assistance: Some policies include road assistance in case you run out of battery, something crucial for electric motorcycle drivers.
Coverage for combustion motorcycles
Combustion motorcycles insurance tend to be more complete when it comes to:
- Mechanical coverage: These insurance usually focus on covering mechanical problems such as engine breakdowns, gearbox or exhaust system.
- Fuel and assistance: Policies may include assistance due to fuel or problems derived from the use of gasoline.
3. Environmental factor
Electric motorcycles
Electric motorcycles are considered one more option Environmental friend Not emitting gases that pollute. This means that, in some countries, insurance is cheaper to encourage the use of sustainable vehicles. In addition, electric motorcycles can benefit from government incentives, which may include discounts on insurance and other associated costs.
Combustion motorcycles
In many cities, combustion vehicles are beginning to be the subject of stricter environmental regulations. This has brought an increase in the cost of some insurance due to the greater pressure to reduce CO2 emissions. Combustion motorcycles are also subject to regulations that seek to restrict their circulation in low emissions areas, which can also affect insurance premiums.
4. Moto value
Electric motorcycles
Electric motorcycles, especially those that are high -end, can have an initial price higher than internal combustion, which can influence the insurance policy value. However, its most economical maintenance and fuel savings causes the total long -term cost to be the lowest. He residual value From an electric motorcycle it can also be an important factor, since electrical technology is constantly improved, which can affect the resale price.
Combustion motorcycles
Internal combustion motorcycles, compared a lower initial cost In many cases, but require more regular and expensive maintenance. Factors such as depreciation and mechanical wear can influence the cost of insurance, especially if they are high -displacement motorcycles or sports, which tend to depreciate faster.
5. Repairs and spare parts
Electric motorcycles
Electric motorcycles have less mobile components, and, therefore, the risk of breakdowns is lower. However, the specific parts of the electric motorcycle such as the battery or the components of the electric motor can be more expensive and are usually obtained directly in the brand, which sporadically can influence some insurance coverage.
Combustion motorcycles
Combustion motorcycles have more components that can wear, such as the engine, the gearbox, the exhaust system, among others. This makes repair costs higher compared to electric motorcycles, since any failure in one of these areas will require a more complex intervention.
Conclusion
Whether you have a electric motorcycle as of combustion, it is important to choose insurance that suits your needs. Electric motorcycles are usually cheaper to ensure due to their lower accidents and lower repair costs, while combustion motorcycles can have more extensive coverage due to the nature of its mechanical components.
In NEXT Motors, we specialize in motorcycles and know the importance of having a policy that gives you the tranquility and security you need. Be sure to review all the options before making a decision, and consult with your insurer about the specific coverage for your motorcycle type.
Are you thinking of buying an electric motorcycle? Contact us and discover all the benefits we offer!