The insurance needs for an electric car like the Ford Mustang Mach-E differ significantly from those of traditional petrol or diesel cars. Factors such as the vehicle’s value, advanced technology, battery systems, and specific repair requirements play a pivotal role in determining the type and cost of insurance.
In this guide to Ford Mustang Mach-E car insurance, we arm UK drivers with vital information to navigate the insurance landscape for this EV. You will learn the different models available in the UK and the impact their spec has on insurance premiums. We explore various insurance coverage options in order to equip you with the knowledge needed to compare Ford Mustang Mach-E car insurance with confidence!
Compare Ford Mustang Mach-E Electric Car Insurance
What Ford Mustang Mach-E Models Can You Buy in The UK?
The Ford Mustang Mach-E has made a significant impact in the UK electric vehicle market, it’s a popular option for personal leasing and business salary sacrifice schemes. The list below explores the different models available and how their spec impacts their insurance:
Mustang Mach-E RWD 72kWh Standard Range Insurance
- Maximum Range: 292 miles
- Fast Charge (10-80%): 33 minutes
- Usable Battery Capacity: 72 kWh
- Performance: 0-62 mph in 6.3 seconds
- Drive Type: Rear-Wheel Drive (RWD)Power: 198 kW / 269 PS
- Insurance Considerations: The standard range and rear-wheel drive place this model in a slightly lower insurance group compared to the extended-range variants.
Mustang Mach-E RWD 91kWh Extended Range Insurance
- Maximum Range: 372 miles
- Fast Charge (10-80%): 45 minutes
- Usable Battery Capacity: 91 kWh
- Extra High Range: 293 miles
- Insurance Considerations: The extended range and enhanced battery capacity could lead to a higher insurance premium due to increased value and potential repair costs.
Mustang Mach-E AWD 91kWh Extended Range (First Variant) Insurance
- Maximum Range: 341 miles
- Energy Consumption: 30.2 kWh/100Miles
- Drive Type: All-Wheel Drive (AWD)
- Extra High Range: 277 miles
- Insurance Considerations: The AWD system and performance capabilities might influence the insurance cost, typically placing it in a higher bracket.
Mustang Mach-E AWD 91kWh Extended Range (Second Variant) Insurance
- Maximum Range: 304 miles
- Energy Consumption: 32.3 kWh/100Miles
- Extra High Range: 244 miles
- Insurance Considerations: Similar to the other AWD variant, but with different range and energy consumption metrics, which could slightly vary the insurance implications.
Each Mustang Mach-E model offers a unique set of features that impact its insurance. From the battery capacity and driving range to the performance and drive type, these factors influence the insurance premiums.
What Types of Ford Mustang Mach-E Car Insurance Cover Are There?
Choosing the right insurance for your Ford Mustang Mach-E is a crucial decision. In the UK, there are several types of car insurance cover available, each offering different levels of protection:
Third Party Only Mustang Mach-E Insurance
This is the minimum legal requirement to insure a car in the UK. It covers damages or injuries to third parties and their property but does not cover any damage to your own Mustang Mach-E. While being the most basic and usually the cheapest option, it may not be ideal for a high-value vehicle like the Mustang Mach-E, especially considering the costs associated with electric vehicle repairs.
Third Party, Fire and Theft Mustang Mach-E Insurance
This policy includes third-party cover and also protects if your vehicle is stolen or damaged by fire. This offers a better level of protection than third-party only insurance and can be a good middle ground for a Mach-E.
Fully Comprehensive Mustang Mach-E Insurance
This is the most extensive form of car insurance. It covers damage to your own vehicle, third-party damages, and also includes protection against fire, theft, vandalism, and accidental damage. Given the value and the gadgets found in a Mustang Mach-E, fully comprehensive insurance is often recommended. It provides the most extensive coverage, ensuring that both your vehicle and third parties are well protected.
What Insurance Group Are Ford Mustang Mach-E Models in?
For UK drivers considering a Ford Mustang Mach-E, understanding its electric car insurance group is key to estimating potential insurance premiums. Insurance groups, which range from 1 to 50, are based on factors such as vehicle value, performance, repair costs, and safety features.
Ford Mustang Mach-E Insurance Group Ratings
- 216kW Premium 91kWh RWD 5dr Auto: Group 41
- 216kW Premium 91kWh RWD 5dr Auto [Tech+]: Group 41
- 258kW Premium 91kWh AWD 5dr Auto: Group 42
- 358kW GT 88kWh AWD 5dr Auto: Group 47
- 358kW GT 91kWh AWD 5dr Auto: Group 47
- 358kW GT 91kWh AWD 5dr Auto [Pan Roof]: Group 47
- 198kW Select 70kWh RWD 5dr Auto: Group 37
- 198kW Select 70kWh RWD 5dr Auto [Tech+]: Group 37
Standard Range Models
- 190kW Standard Range 75kWh RWD 5dr Auto: Group 33
- 198kW Standard Range 70kWh RWD 5dr Auto: Group 33
- 198kW Standard Range 70kWh RWD 5dr Auto [Tech+]: Group 33
- 190kW Standard Range 75kWh AWD 5dr Auto: Group 37
- 198kW Standard Range 70kWh AWD 5dr Auto: Group 37
Extended Range Models
- 210kW Extended Range 99kWh RWD 5dr Auto: Group 37
- 216kW Extended Range 91kWh RWD 5dr Auto: Group 37
- 216kW Extended Range 91kWh RWD 5dr Auto [Tech+]: Group 37
- 246kW Extended Range 99kWh AWD 5dr Auto: Group 40
- 258kW Extended Range 91kWh AWD 5dr Auto: Group 40
First Edition Model
- 246kW First Edition 99kWh AWD 5dr Auto: Group 40
The Mustang Mach-E models range from insurance group 33 to 47. Models with higher power output, like the GT, are placed in higher groups, mentally they will potentially have higher insurance costs. The performance capabilities, such as acceleration and top speed, influence the insurance group rating, affecting the perceived risk and thus the insurance cost.
Understanding the specific insurance group rating for your chosen Ford Mustang Mach-E model is crucial for budgeting for insurance costs. EVs like the Mach-E tend to be in higher insurance groups due to their advanced technology.
The Best Ford Mustang Mach-E Car Insurance
Choosing the best insurance for your Ford Mustang Mach-E involves careful consideration of several factors. From the quality and scope of coverage to the insurance provider’s reputation and the inclusion of EV-specific benefits, each element plays a crucial role in ensuring that your electric vehicle is adequately protected.
When choosing insurance, it’s important to prioritise policies that provide extensive coverage. This is particularly pertinent for electric vehicles, which may require additional coverage areas such as battery and charging equipment. Alongside this, the reputation for customer service and efficiency in claims processing is crucial. Insurers who have positive reviews should be high on your list.
Another key factor in selecting the right insurance is the inclusion of additional benefits. Features such as courtesy cars, legal cover, or breakdown cover can be incredibly beneficial, especially for electric vehicle owners who may face different types of roadside emergencies compared to traditional car owners.
For those owning an electric vehicle like the Mustang Mach-E, considering specialised electric car insurers is a good move. These insurers provide tailored policies that cater specifically to the needs of EVs, including coverage for unique elements like charging infrastructure.
The process of comparing electric car insurance is essential in finding the best deal. Utilising online comparison tools can give you a comprehensive overview of what various insurers are offering for the Mustang Mach-E. These tools can simplify the process of comparing electric car insurance but do remember that customised quotes can often provide a more accurate reflection of the insurance costs you’ll face, as they take into account the specific details of your vehicle and driving habits.
In addition to online tools, personal recommendations and customer reviews can be invaluable. Engaging with the Mustang Mach-E owner community can provide real-world insights into which insurance policies are best suited to this particular model.
Why Is Ford Mustang Mach-E Car Insurance So Expensive?
Many owners and potential buyers of the Ford Mustang Mach-E might notice that the insurance premiums for this electric vehicle tend to be higher than those for conventional petrol or diesel cars. There are a number of reasons why its so expensive:
High Value and Advanced Technology
The Mustang Mach-E, as a high-end electric car, and higher-value vehicles typically incur higher insurance premiums. The advanced technology integrated into the Mustang Mach-E, including its electric drivetrain, sophisticated battery systems, and state-of-the-art infotainment and driver assistance features, can make repairs more expensive. Insurers often factor in these higher potential repair costs when setting premiums.
Performance and Risk Profile
The performance characteristics of the Mustang Mach-E, such as rapid acceleration and higher top speeds, especially in models like the GT, can place them in a higher risk category for insurers. High-performance vehicles are often associated with a greater likelihood of being involved in accidents, leading to higher insurance costs.
Specialist Repairs and Parts
Electric vehicles require specialised knowledge and parts for repairs and electric MOTs, which can be more costly than those for traditional vehicles. This need for specialised servicing and potentially higher costs for parts like batteries or electric motors is a factor insurers consider.
Emerging Market for EV Insurance
The insurance market for electric vehicles is still evolving. As electric vehicles are relatively new compared to traditional vehicles, there is less historical data for insurers to rely on when assessing risk. This lack of data can sometimes lead to insurers pricing EV insurance higher as a precautionary measure.
Insurance Group Ratings
The insurance group ratings for various Mustang Mach-E models are on the higher end. Higher group ratings usually mean higher insurance premiums.
How to Get Cheap Ford Mustang Mach-E Car Insurance
While insurance for a Ford Mustang Mach-E may generally be higher due to the reasons we just looked at, we have a few tips to help you get cheaper EV insurance for your Mach-E:
- Shop Around for the Best Deals
One of the most effective ways to reduce your insurance premium is to shop around. Comparing quotes from different insurers can lead to significant savings. Each insurer has its own method of assessing risk and pricing policies, so prices can vary considerably.
- Increase Your Voluntary Excess
Opting for a higher voluntary excess – the amount you are willing to pay in the event of a claim – can lower your premium. However, it’s important to make sure this amount is affordable for you, as it will need to be paid upfront in the case of an insurance claim.
- Build and Protect Your No Claims Bonus
A no claims bonus can significantly reduce your insurance costs over time. Driving carefully and avoiding making claims will build up this bonus, leading to lower premiums in the future. Some insurers also offer the option to protect your no claims bonus, which can be a worthwhile investment.
- Consider Telematics Policies
Some insurance providers offer policies that involve installing a telematics device in your vehicle. These devices monitor your driving habits and can lead to reduced premiums for safe and responsible driving.
- Limit Your Mileage
The less you drive, the lower your risk of being involved in an accident. If you can limit your annual mileage, this can be reflected in lower insurance premiums. Be sure to give your insurer an accurate estimate of your mileage when applying for a policy.
This article is intended solely for informational purposes and should not be considered as advice. It is important to consult the specific terms and conditions of an insurer before making any commitments to financial products.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.