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Hybrid Car Insurance

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1Accurate as of March 2023.

What is a hybrid car?

Hybrid cars use two types of power – power from a conventional petrol or diesel engine and an electric motor. There are two types of hybrid cars:

Standard hybrids: Have batteries that are charged by the car while driving

Plug-in hybrids (PHEVs): Have batteries that need to be charged via an EV charging point or at home

How do they work?

In general, hybrids save money and reduce emission by utilising both the motor and battery at different points in the journey. Whilst this can differ between vehicles, most hybrids will determine the power source based on the speed and how the car is been driven. For example, a hybrid user driving around a city doing less than 30mph will spend most of the time using the battery power. If that driver then joined a motorway and exceeded 30mph, the engine would kick in and fuel would be used.

Hybrid cars use petrol or diesel and electric battery power

Are hybrid cars cheaper to insure?

In the past, hybrid and electric cars have often been more expensive to insure than petrol or diesel cars because of the cost and availability of spare parts, and the common need for specialist repair works.  But as more electric and hybrid vehicles have become available, and with the government’s 2030 impending ban on new petrol and diesel cars, the cost of insurance is falling.

Like conventional fuel models though, hybrid car insurance premiums depend on several factors including your driving history and personal circumstances.

The best way to find cheap hybrid car insurance is to shop around and compare a range of quotes.

What level of cover do I need for my hybrid car?

Three levels of cover are available for hybrid car insurance:

  • Fully comprehensive car insurance

    Fully comprehensive car insurance: You’ll be protected against damage, repairs, medical expenses, fire damage, and theft. As well as damage to someone else, their car or property.

  • Third-party, fire and theft policies

    Third-party, fire and theft policies: Offer cover for other people, their vehicles, and their property, as well as protection for your own car if it were to get stolen, or if it’s damaged by fire.

  • Third-party only car insurance

    Third-party only car insurance: Covers injuries to other people, and damage to their vehicles and property. Minimum legal requirement. Usually the most expensive policy.

What do you need to get a quote?

  • 1

    Details of the car

    The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any car modifications

  • 2

    How you use your car

    Social, commuting or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security

  • 3

    Your details

    We’ll also need some personal info like your job, age and address – the same for any additional drivers you have

  • 4

    Your driving history

    Any accidents, insurance claims and driving convictions from the past five years, and details of your no-claims discount, if you have one

Why compare car insurance quotes with MoneySuperMarket?

Our mission is to make finding cheap car insurance easier – and when you take out cover with MoneySuperMarket you can benefit from:

  • Super Save with us

    Everyone deserves to save money – in fact, you could save up to £390 by comparing your car insurance with MoneySuperMarket*

  • Renewal reminders

    Our car monitor gives you reminders on your road tax and MOT, as well as showing your MOT history and car valuation – helping you stay up to date, so you never miss a renewal

  • Support from our team

    Our live chat tool is there so our experts can guide you through the car insurance question set, offering tailored support during business hours to help you get the right policy for the right price

51% of consumers could save up to £391.23. Consumer Intelligence, January 2023. UK Only.

Hybrid cars are more expensive to run than electric cars. That’s because electric cars rely on electricity only, and drivers will benefit from not having to pay road tax or congestion charge as they are emission-free. However electric cars can only be charged at electric vehicle charging points or at home, which isn’t as convenient as filling up a tank of petrol.

Hybrid cars still use petrol or diesel as well as an electric battery, so they’re more expensive to run – and they don’t offer benefits such as road tax or congestion charge exemption unless they produce less than 75g/km of CO2.

While some hybrid cars can also be charged by plugging in, others can charge their own batteries while you drive using the alternative fuel source.

No, hybrid car drivers still need to pay road tax. However, with lower CO2 emissions comes a lower tax rate, so hybrids can still save you money in road tax compared to traditional petrol or diesel engines.

If your hybrid cars’ CO2 emissions are less than 50kg/km, you will be exempt from the first year of road tax. If your car releases more CO2 than this, then the cost of your first year of road tax will depend on the level of your emissions.

After the first year, you will be charged a set rate for road tax – this will be less than you’d pay for a petrol or diesel car.

This typically depends on the way you drive. If you tend to do shorter journeys, your hybrid car will rely mostly on electric power, which in turn will save you money on fuel costs. Even more so if you drive a plug-in and have a charger at home.

However electric batteries don’t last forever, and hybrid cars often have poor fuel efficiency when they do run out. If you do tend to make longer journeys, a hybrid could potentially be more expensive.

Most standard providers will offer you hybrid car insurance. You don’t need specialist insurance for your hybrid car.

There are many benefits to driving a hybrid including:

  • Environmentally friendly:

    Lower fuel consumption than a conventional car, meaning fewer emissions

  • Cheaper to run:

    Hybrids help you save on fuel

  • They charge automatically:

    Standard hybrids have regenerative braking which means the battery recharges as you drive

  • Cheaper road tax:

    Alternative fuel cars, including hybrids, are cheaper to tax than conventional petrol or diesel engine cars

  • Travel further than electric: Hybrid cars can have similar ranges to conventional petrol and diesel cars, meaning they travel further than fully electric cars

  • Cheaper to buy than electric:

    Depending on the make and model you choose hybrids tend to cost less than fully electric cars

Check out our guide on electric car benefits.

The sale of new hybrid cars will be banned in the UK from 2035. This follows the banning of all petrol and diesel vehicle sales from 2030.

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