Third-party only
The most basic level of insurance available, third-party only will provide cover for damage to any other vehicle, people or property.
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The Renault Zoe has been around since 2013 and in that time has won several awards including the Best Small Electric Car at the What Car? awards for seven years in a row.
It’s a reliable and affordable electric car and a good option for those looking to get into the electric car market.
It has a driving range of 245 miles and a range of features which make it stand out from the crowd. These include emergency brake assist, if a driver doesn’t react quickly enough before a collision, electronic stability control, to help drivers to stay on course in accidents and rear impact absorbing seats and headrests to lower the risk of whiplash for those in the car.
Often described as a good all-rounder, along with being one of the most affordable electric cars around, it also comes with its own at-home charging unit.
You also have the option of paying more to use a rapid charging point, which can charge the car from 0 to 80% in just over an hour. This is compared to three hours at a standard charger, or nine hours if charging at home. To find out more about the car, see the Renault website.
You can choose three levels of cover with car insurance for your Renault Zoe:
The most basic level of insurance available, third-party only will provide cover for damage to any other vehicle, people or property.
You’ll also be protected if your car is damaged or destroyed because of a fire with third-party, fire and theft.
The highest level of insurance available, you’re also covered for damage to your vehicle with fully comprehensive.
The cost of car insurance is determined by lots of different things. These include the type of car you’re insuring, where you keep it and how you use it along with your driving history, job, and age.
All insurers put cars into groups, from 1 to 50, depending on how much they cost to insure. Cheaper cars, with smaller engines, are found in the low-down groups while those nearer to 50 are more expensive and have a higher risk of being stolen or involved in an accident.
Policy type | Average annual premiums2 |
|---|---|
Third-party only | £669.23 |
Third-party, fire & theft | £903.54 |
Fully comprehensive | £391.21 |
2Based on annual price car insurance policies, with one driver holding a full UK driving licence. Data collected between January 2023 and June 2023
There are lots of extra features with electric car insurance policies that you can pay to add on, or which may be included as standard if you have a fully comprehensive policy. These include the following:
You’ll get up to 90 days’ cover in the European Union
If you’re hit by an uninsured driver you won’t lose your no-claims bonus
Motor legal protection covers any legal costs you may be faced with
If your car breaks down, you’ll have cover with breakdown protection and often you’ll get a courtesy car
Any damage to your windows is included if you choose to add on windscreen cover
Replacing or repairing child seats will be included
There are many extra benefits available when you buy Renault Zoe car insurance. These may be included as standard, or you may have to pay extra to add them to your policy.
The exact benefits available will depend on your insurer so always ask it, or check the small print, to find out what you’re covered for.
Recovery to the nearest chargepoint: If your battery dies, you’ll be given roadside assistance or taken to the nearest chargepoint
Over the air monthly updates (OTA): Any upgrades you’ve made to your car will be covered
Battery cover: Your battery will be covered, even if you’ve leased it from a different company
Charging cables cover: Cables for charging, and your charging unit, are all included
Join over 2,000 EV drivers who insured their Renault Zoe with us. 2,201 people have insured their Renault with MoneySuperMarket (figures accurate as of May 2022).
Just pop in a few details about yourself, your electric car, and the cover you need
We’ll do the legwork to find the cheapest electric car insurance that offers the cover you need
With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal dates
Car insurance costs aren’t cheap for electric cars, however there are ways to reduce your Renault Zoe premiums.
Never take the first price you see and always compare policies
When your policy ends, always see if there’s a better option available
Paying once every year is usually cheaper than spreading the cost over 12 monthly payments
If you pay a higher excess this can lower your monthly premium, just make sure it's affordable if you need to claim
Installing alarms and immobilisers can lower your premiums
Your premiums will be cheaper if your car is stored in a locked garage or a driveway
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The first generation Renault Zoe, launched in the UK in 2013, was a pioneering mass market electric car, rivalling the Nissan Leaf. Now the third generation Zoe finds itself in an increasingly crowded EV marketplace and despite its impressive claimed driving range of 239 miles it has fallen behind when it comes to the latest safety standards, failing to be awarded even a single star by Euro NCAP in 2021.
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