In 2025, electric VTCs benefit from generally lower insurance premiums, but tax increases (TSCA, Cat-Nat) and specific repair costs require well-optimized pricing.
Faced with the ecological transition accelerated by Low Emission Zones (LEZs), more and more professional drivers are turning to 100% electric vehicles . Quieter, cleaner, and better perceived by VTC platforms, these vehicles are now essential to remain competitive. But what about electric VTC insurance ? In 2025, several price changes will impact this type of contract. What are the pricing criteria , the advantages , and best practices for reducing your premium ? Answers in this comprehensive guide.
Why choose an electric VTC in 2025?
An ecological issue... but also an economic one
Adopting electric vehicles is no longer a symbolic choice, but a performance lever for operators. By 2025, driver-connection platforms (Uber, Bolt, Heetch) will promote eco-responsible drivers, and local authorities will impose traffic restrictions on internal combustion vehicles (Crit'Air 2, 3, etc.).
Easy access to the ZFE and premium image
A Crit'Air 0 electric VTC allows you to travel freely in all ZFE (Zones Fé). In addition, it offers a high-end image to customers, particularly in the business or eco-friendly tourism segments.
What are the pricing criteria for an electric VTC contract?
1. The nature of the vehicle
- Make and model : A Tesla Model 3 or Mercedes EQS will be more expensive to insure than a Hyundai Ioniq.
- New value : electric vehicles have a high value, which directly impacts the premium.
- Presence of ADAS (cameras, sensors) : repairs are more expensive.
2. Professional use
- Annual mileage : often over 30,000 km, which automatically increases the risk.
- Location of activity : Driving in Paris or Marseille costs more to insure than in a rural area.
3. The driver's profile
- VTC license seniority
- Bonus/penalty
- Claims history
The specific advantages of an electric VTC
Discounts offered by insurers
- Up to 15% discount on the comprehensive premium
- Special “clean vehicle” pricing
- Loyalty bonus if vehicle already in LOA or LLD
More advantageous taxation
- Exemption from TVS (Company Vehicle Tax)
- Ecological bonus on purchase of up to €4,000
- Cumulative conversion bonus
Fewer claims recorded
Electric vehicles are on average less involved in accidents (regulated speed, calm driving, engine braking).
How to optimize your electric VTC insurance premium?
1. Compare specialized offers
Use the services of a wholesale broker like KT Courtage , which allows you to access offers reserved for VTC professionals with competitive partner insurers (MFA, AXA, Groupama, etc.).
2. Take out useful, not superfluous, guarantees
- Glass breakage + ADAS calibration
- 0 km assistance
- Legal protection
- Professional liability insurance for VTC drivers
3. Promote eco-driving
Some companies integrate a telematics box that analyzes your driving and can save you up to 10% on your annual premium.
Conclusion
In 2025, insuring an electric VTC is both an obligation and an opportunity. Premiums are evolving, but tax and insurance benefits allow you to control your costs , provided you have the right support. KT Courtage helps you compare, negotiate, and manage the best solutions on the market for you or your driver clients.