In ZFE, the hybrid taxi insurance premium benefits from ecological bonuses but includes “ZFE” options to cover immobilization and Crit'Air checks, while promoting environmental compliance.
The Climate and Resilience Law requires cities with more than 150,000 inhabitants to establish Low Emission Mobility Zones (ZFE-m) by the end of 2024, gradually banning the most polluting vehicles. Hybrid taxis, although less emitting, see their insurance evolve to take into account:
- the required Crit'Air compliance,
- support in the event of administrative immobilization,
- ecological bonuses and surcharges.
KT Courtage provides you with information on the new rules , their impact on 2025 premiums and solutions for optimizing your contract .
1. The Climate Law and the extension of ZFEs
Regulatory framework
Law No. 2021-1104 of August 22, 2021 establishes the obligation to establish a ZFE-m in all agglomerations with more than 150,000 inhabitants before December 31, 2024. In 2025, these ZFE will prohibit Crit'Air 3, 4 and 5 vehicles from circulating there, while Crit'Air 1 (non-rechargeable hybrids) will remain authorized until further notice. .
Implications for hybrid taxis
Hybrid taxis are allowed to drive in ZFE, but must display a Crit'Air 1 sticker , otherwise they will be fined between €68 and €450 and be immobilized.
2. Evolution of premiums: bonuses and additional premiums
Ecological bonus and conversion bonus
To encourage the purchase of hybrid or electric taxis, the public authorities are proposing:
- Conversion bonus of up to €8,000 depending on income, can be combined with the ecological bonus (€4,000 max).
- Special ZFE VTC/taxi surcharge (up to €1,000) for the purchase of Crit'Air 0 or 1 vehicles.
Price adjustment by insurers
The 2025 contracts will include:
- Premium reductions (5–15%) for hybrids, due to their lower claims experience and reduced risk of immobilization.
- Surcharges to cover towing costs and loss of business in the event of an inspection or breakdown in a ZFE.
3. Essential ZFE guarantees
ZFE towing assistance
Rapid troubleshooting and taxi support, including within ZFEs, are now essential to avoid business interruption.
Operating loss
Compensation for loss of earnings during administrative or technical immobilization, often with a monthly ceiling of €1,500–3,000 .
Crit'Air legal protection
Coverage of costs for contesting fines or disputes with the administration regarding Crit'Air compliance.
4. Tips to optimize your contract
- Choose a specialist broker (KT Courtage) to trade the best ZFE options .
- Check the limits : 24/7 assistance, operating loss ≥ €3,000/month.
- Add legal protection and defense of recourse in the event of a Crit'Air fine.
- Take advantage of assistance (conversion bonus, bonus) to reduce the cost of the vehicle and insurance.
Conclusion
The Climate Law and the expansion of ZFEs are redefining insurance for hybrid taxis. By 2025, the aim is to combine ecological bonuses , ZFE options , and enhanced guarantees to reconcile environmental performance and financial security.
With KT Courtage , benefit from a complete audit , a tailor-made offer and support to stay compliant and optimize your costs.