Mercedes Benz Electric Car Insurance

Mercedes Benz electric cars are packed full of luxury and innovation. Getting Mercedes Benz electric car insurance has its own unique considerations, things like battery cover and charging apparatus are completely new concepts to Petrol car owners.

The purpose of this guide is to help with the process of finding Mercedes Benz electric car insurance, providing you with a comprehensive understanding of the insurance options available for Mercedes Benz electric cars in the UK.

We look at the different types of insurance cover and consider ways to get cheaper Mercedes Benz electric car insurance.

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What Electric Mercedes Benz Can You Buy in The UK

Mercedes Benz has a strong range of electric models in the UK:

Mercedes EQA

This compact SUV is the entry point to the Mercedes electric world. It’s a nice eco-friendly vehicle that doesn’t compromise on luxury and performance.

Mercedes EQB

A step up in size, the EQB offers more space, making it ideal for families needing extra room.

Mercedes EQC

This model elevates the electric experience with its blend of luxury and performance. Targeted at those who desire a premium SUV, the EQC offers a powerful electric drive with all the bells and whistles expected from Mercedes Benz.

Mercedes EQE

A ‘business saloon’ that’s packed with electric luxury, the EQE is a popular business choice for executives looking for a luxurious electric car salary sacrifice option. Its sleek design and advanced technology make it a standout in the electric saloon market.

Mercedes EQS

 At the pinnacle of Mercedes Benz’s electric lineup, the EQS designed for customers who demand the best in terms of luxury, space, and technology.

Mercedes-Benz EQV

Expanding the electric range further, Mercedes introduced the EQV, an all-electric multi-passenger vehicle. The EQV boasts a range of up to 213 miles and a charge time of just 45 minutes with a rapid charger.

What Types of Mercedes Benz Car Insurance Cover are there?

When insuring a Mercedes Benz electric car in the UK, there are three main types of insurance cover to consider. Each type offers different levels of protection and suits different needs:

Third Party Mercedes Benz Car Insurance

This is the most basic form of car insurance and is legally required in the UK. It covers damages or injury to third parties (other people, vehicles, property) caused by your vehicle.

While this insurance doesn’t cover damages to your own Mercedes Benz, it’s a cost-effective option for drivers who just want to meet that minimum legal requirement. However, considering the value and technology in Mercedes Benz electric models, this coverage might be inadequate for most owners.

Third Party, Fire and Theft Mercedes Benz Car Insurance

This type of insurance includes everything covered by third-party insurance, with additional protection against theft and fire damage to your vehicle.

This cover adds a layer of protection against specific risks like theft or fire, which could be high given the value and desirability of Mercedes Benz electric vehicles. It’s a middle-ground option between basic and comprehensive insurance.

Fully Comprehensive Mercedes Benz Car Insurance

As the most inclusive option, comprehensive insurance covers damage to your vehicle, or the third party’s vehicle, regardless of who is at fault. It often includes extra cover such as windshield repair and personal injury.

Given the advanced technology and higher repair costs associated with electric vehicles like those from Mercedes Benz, comprehensive insurance is often recommended. It provides peace of mind by covering a wide range of incidents.

What Electric Car Insurance Group are Mercedes Benz in?

In the UK, electric car insurance groups range from 1 to 50, with higher numbers typically indicating higher insurance premiums. Here’s a breakdown of which insurance groups Mercedes Benz electric models are in:

  • Mercedes EQA Insurance Groups 37 – 45
    The EQA, being a compact SUV, falls into the mid-high range of insurance groups. 
    This indicates it probably has a moderate level of insurance cost, reflecting a balance between the vehicle’s value, repair costs, and safety features. While it’s not the most expensive to insure, its placement in these groups suggests still above-average premiums compared to petrol cars, due to the advanced technology and build quality inherent in Mercedes vehicles.

  • Mercedes EQB Insurance Groups 45 – 48
    The EQB’s placement in high insurance groups is indicative of its larger size and advanced features compared to the EQA. It’s a reflection of the increased costs associated with repairing a vehicle of this calibre, as well as its higher market value.

  • Mercedes EQC, EQE, EQS, EQV Insurance Group 50
    These models sit at the top of the insurance group range. This is a direct result of their high-end nature. The EQC, EQE, EQS, and EQV are premium vehicles with cutting-edge technology, luxurious features, and high repair costs. Their group 50 classification means they are among the most expensive in the Mercedes range to insure.

The insurance group placements for Mercedes Benz electric cars reflect the brand’s positioning in the premium vehicle market. Higher groups for models like the EQC, EQE, EQS, and EQV are expected due to their luxury status, advanced technologies, and higher repair costs.

The EQA and EQB, while still in the higher range, offer slightly more affordable insurance options within the Mercedes electric lineup. This makes them potentially more attractive to those who want a premium electric vehicle but are mindful of ongoing insurance costs, such as young EV drivers.

Prospective and current owners need to consider these groups when budgeting for insurance. If you are taking out a Mercedes Salary Sacrifice, you may have insurance included. If not, you will be likely faced with high premiums.

The Best Mercedes Benz Electric Car Insurance

Given the sophisticated nature of your shiny new Merc, particularly if it’s one of the higher insurance groups like EQC, EQE, EQS, and EQV, it’s important to find a policy that addresses the unique aspects of EVs.

Comprehensive Battery Cover
The best policy should include extensive cover for battery damage, degradation, and even replacement, if necessary.

Charging Equipment and Infrastructure Cover
Coverage for damage or theft of home chargers is an important part of an EV policy. Also, consider policies that cover damages incurred at public charging stations.

Legal Protection
Provides financial assistance for legal costs related to car insurance claims, a vital feature in dealing with the complexities that can arise from accidents or disputes.

Personal Accident Cover
Offers a lump sum payout in the event of serious or fatal injuries resulting from a car accident, adding an extra layer of financial protection.

Personal Belongings Cover
Protects possessions left in the car from loss, damage, or theft, providing peace of mind for personal items stored in the vehicle.

Enhanced Breakdown Assistance

Look for a policy that offers specialised breakdown cover for electric vehicles, such as towing to the nearest charging station if you run out of charge.

Car Key Cover
Offers coverage for the replacement of car keys if they are lost, damaged, or stolen, which can be particularly valuable given the sophisticated nature of keys for high-end vehicles like Mercedes Benz.

Windscreen Cover
Provides support for windscreen repairs, often without affecting the no-claims bonus, crucial for maintaining the integrity of the vehicle’s advanced driver-assistance systems.
Selecting the best EV insurance policy for a Mercedes Benz electric car means looking beyond the standard cover and focusing on these specialised EV features.

Why Is Mercedes Benz Electric Car Insurance So Expensive?

Mercedes Benz electric cars come with higher insurance costs compared to conventional vehicles. Understanding the reasons behind these higher premiums can help owners make more informed choices about their insurance.

  • High Repair and Replacement Costs
    Electric cars, especially luxury models like Mercedes Benz, often require specialised repair services and parts that are more expensive than those for standard vehicles. The advanced technology and high-quality materials used in these cars can drive up repair, EV MOT, and replacement costs, which in turn increases insurance premiums.

  • Battery Cost
    The battery is the most critical component of an electric vehicle and also one of the most expensive to replace.

  • Advanced Technological Features
    Mercedes Benz electric cars are equipped with cutting-edge technology, like sophisticated infotainment systems and advanced safety features. Repairing or replacing these features can be costly, which is reflected in the insurance premiums.

  • Higher Risk of Theft for Premium Models
    Mercedes Benz may be more attractive to thieves due to their high value, leading insurers to charge higher premiums to cover this increased risk.

  • Limited Historical Data
    The insurance industry relies heavily on historical data to assess risk and set premiums. Since electric vehicles are relatively new, there’s less data available, which can lead to insurers charging more to offset the unknown risks.

How to Get Cheap Mercedes Benz Electric Car Insurance

While insurance for Mercedes Benz electric vehicles can be expensive due to the factors mentioned earlier, there are a few ways that owners can try to get cheaper electric car insurance for their Merc:

  1. Shop Around and Compare Quotes
    Don’t settle for the first quote you receive. It’s essential to shop around and compare quotes from different insurers.

  2. Increase Your Excess
    Opting for a higher deductible can significantly lower your insurance premiums. However, ensure that the excess is still affordable in case you need to make a claim.

  3. Leverage No-Claims Bonus
    If you have a history of safe driving with no claims, make sure to leverage this to negotiate lower premiums. A good no-claims history can be a significant factor in reducing costs.

  4. Use a Multi-Car Insurance Policy
    If you have more than one vehicle, consider a multi-car insurance policy. Insurers often offer discounts for insuring multiple vehicles under the same policy.

  5. Limit Your Mileage
    Lower annual mileage can lead to lower premiums, as insurers consider vehicles with less road time to be at lower risk of accidents.

Mercedes Benz Electric Safety Features

Mercedes Benz electric vehicles are renowned not only for their luxury and performance but also for their advanced safety features.

Advanced Driver-Assistance Systems (ADAS)
Mercedes Benz electric vehicles are equipped with state-of-the-art ADAS, including autonomous emergency braking, lane-keeping assistance, and adaptive cruise control. These systems significantly reduce the risk of accidents, which can lead to lower insurance premiums.

Collision Avoidance and Mitigation Technologies
Technologies like blind-spot monitoring, rear-cross traffic alert, and pedestrian detection further enhance safety. Insurers often view these features favourably as they can prevent accidents and reduce claims.

Robust Structural Design
The structural integrity of Mercedes Benz electric vehicles, designed to absorb and distribute impact forces, provides superior protection in accidents. A robust vehicle structure can positively influence insurance assessments.

Advanced Airbag Systems
Comprehensive airbag systems, including front, side, and curtain airbags, offer enhanced protection.

Anti-Theft Systems
Enhanced anti-theft features like immobilizers, alarms, and vehicle tracking systems make these cars less likely to be stolen, which can lead to lower insurance premiums.

High Safety Ratings
Mercedes Benz electric vehicles often achieve high safety ratings in crash tests conducted by organizations like Euro NCAP. High safety ratings are indicative of a vehicle’s ability to protect its occupants, reducing potential injury claims and, consequently, insurance costs.

The Final Word on Mercedes Benz Electric Car Insurance

There are plenty of considerations when comparing Mercedes Benz electric car insurance, you have to consider the intricacies of insurance options, the importance of EV insurance group classifications, and the various factors influencing insurance costs for these types of cars.

The insurance group of your Mercedes Benz electric vehicle plays a pivotal role in what your insurance will cost. Models like the EQA fall in the mid-high range, while luxury variants like the EQS are at the top end of the spectrum and will likely be more expensive to insure.

The advanced safety features in Mercedes Benz electric cars are not just about ensuring a safer driving experience; they can also lead to lower insurance premiums. These features, designed to reduce accident risks, are often looked upon favourably by insurance providers.

When shopping for insurance, being strategic can lead to more affordable premiums. This means comparing quotes, considering higher excess, and exploring additional covers like legal protection and personal accident cover.

As the UK EV market continues to expand, insurance products are evolving to cater to the needs of the electric range of Mercedes Benz, as it does so we hope to see more choice on the market and cheaper premiums.

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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