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Home Auto insurance

Shopping for an Electrical Automotive: Benefits and Issues

admin by admin
2025年2月13日
in Auto insurance
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Shopping for an Electrical Automotive: Benefits and Issues
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Electrical automobiles (EVs) have turn out to be the popular selection for an growing variety of individuals resulting from low license charges and nil gas consumption. Nonetheless, for learners and new drivers, along with rigorously deciding on a mannequin that fits their efficiency wants, it’s additionally needed to keep in mind the extra possession prices. On this information, we’ll look at the assorted concerns and tips for newbies buying EVs. We’ll additionally suggest six budget-friendly electrical vehicles providing nice worth for cash, serving to aspiring EV house owners select their best automobile.

New Drivers Shopping for Electrical Automobiles: Benefits of Electrical Automobiles

1. Low Registration Charges

Electric vehicle registration fees are calculated primarily based on automobile weight, whereas fuel-powered vehicles are charged in line with engine displacement. Consequently, EV registration charges are typically a lot decrease than for gasoline or diesel automobiles. As an example, an electrical automobile weighing as much as 1 ton (1,000 kg) has an annual registration price of HK$572, with an extra price of HK$124 for each further 250 kg (or a fraction thereof). In distinction, gasoline vehicles with an engine displacement of as much as 1,500 cc already value greater than HK$5,000 in annual registration charges, whereas with diesel automobiles the fee is round HK$7,000. Selecting an EV can thus result in important financial savings on registration charges annually.

2. Easy Upkeep

Electrical vehicles don’t have engines or gearboxes, and they don’t require the common oil adjustments that gasoline automobiles do, making maintenance relatively straightforward. The principle elements of EVs embrace the battery, electrical motor, and digital management system, all of that are coated by the dealership. Routine upkeep primarily includes checking battery well being, making certain the cooling system operates correctly, and inspecting tires and digital elements.

3. Not Affected by Gas Worth Will increase

Hong Kong has some of the highest fuel prices anywhere, whereas pure EVs solely require charging to function, making them unaffected by gas worth hikes. Furthermore, electrical energy prices a lot lower than gasoline and diesel, considerably lowering driving bills.

4. Drastic Discount in Consumables

Electrical vehicles don’t have gas tanks, which suggests they don’t want any consumable objects associated to gasoline, corresponding to engine oil, transmission fluid, or spark plugs. This discount in consumables not solely reduces related prices but in addition eliminates the necessity for normal engine inspections and the assorted common replacements and replenishments, saving appreciable time.

New Drivers Shopping for Electrical Automobiles | Issues When Shopping for an Electrical Automotive

Variety of Charging Stations at Ceaselessly Visited Places

Though electrical vehicles have gotten more and more in style in Hong Kong and the variety of charging stations has considerably elevated, automobile house owners nonetheless want to concentrate as to whether there are electric vehicle charging parking spaces and enough charging stations at their regularly visited locations. Moreover, it is vital to notice the charging pace of the stations. If it’s a BS1363 sluggish charging level, i.e., a 13A socket, the charging could be very gradual and is barely appropriate for automobiles that might be parked for a number of days. For these trying to discover the areas of intermediate/quick charging parking heaps and stations within the 18 districts, please consult with our comprehensive guide to electric vehicle charging parking lots/stations across the city in 2025.

Automotive Insurance coverage Premiums

The regulation requires that every one vehicles on the highway must have valid third-party liability insurance (TPL). Nonetheless, TPL solely covers private accidents and property harm to 3rd events in visitors accidents. To cowl the automobile proprietor, the proprietor’s automobile, and personal electrical automobile chargers, complete automobile insurance coverage (full protection)  should be bought. Usually, insurance premiums for electric vehicles are sometimes 30% to 150% greater in comparison with for gasoline automobiles.

If the automobile proprietor is a younger driver with a provisional license (P license) buying a high-performance, upmarket electrical automobile, the insurance coverage premium might be much more staggering. Since car insurance premiums are determined based on various factors such because the insured’s age/expertise, the automobile’s market worth and efficiency, deductibles, and no-claim low cost (NCD), younger drivers on provisional licenses with little driving expertise are deemed greater compensation dangers. In the event that they purchase an upmarket electrical automobile and don’t have NCD within the first yr of insurance coverage, they might want to pay a excessive premium. Subsequently, we suggest that younger P-license drivers begin with entry-level EVs to decrease their insurance coverage bills.

New Drivers Shopping for Electrical Automobiles | The Tips

Choose a Light-weight and Smaller Automotive for Simpler Driving and Parking

In Hong Kong, with so many automobiles on the highway and slim parking areas , new drivers who simply bought their licenses will not be skilled sufficient to deal with unexpected conditions on the highway. A smaller automobile is less complicated to function on the highway in addition to in tight parking spots. This helps increase new drivers’ confidence in parking and driving, whereas additionally lowering the probabilities of accidents.

Do not Blindly Pursue Acceleration

In comparison with conventional gas vehicles, EVs launch and speed up extra rapidly. For brand new drivers who’re nonetheless getting used to automobile management, an electrical automobile with much less horsepower and slower acceleration from 0 to 100 km/h might be simpler to deal with. This strategy permits you to accumulate driving expertise and helps keep away from accidents brought on by a automobile’s extreme acceleration.

Choose an Entry-Stage Automotive to Decrease Possession Prices

As talked about earlier, new drivers with a P license who don’t have an NCD low cost will face important insurance coverage premiums in the event that they buy a high-performance, upmarket EV. Subsequently, when selecting their first electrical automobile, it is advisable to go for entry-level fashions. These vehicles are typically simpler to deal with resulting from their efficiency and dimension, which reduces the probability of accidents, and so they additionally include decrease insurance coverage prices.

Comparing the quotes from over 60 HK insurers, Kwiksure helps you choose the car insurance that best fits your requirements. Get a quote now!

New Drivers Shopping for Electrical Automobiles | Really useful Entry-Stage Electrical Automobiles Underneath HK$200,000

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The compact ORA 03 is available in each customary and long-range variations, with driving ranges of 310 km and 420 km, respectively. The usual model is extra appropriate for short-distance commuting. With a reasonable dimension of roughly 4.2 meters in size, it permits new drivers to navigate and park extra simply. The automobile accelerates from 0 to 100 km/h in 8.3 seconds, making it manageable even for P license drivers.

Inside, it’s well-equipped with options corresponding to a 360-degree panoramic digicam, a middle console with a ten.25-inch show and Apple CarPlay, and an adaptive cruise management system. Moreover, the automobile is on the market in quite a few colours, making it significantly interesting to youthful house owners.












Mannequin

ORA 03 Customary Vary Model

ORA 03 Lengthy Vary Model

Worth (One-for-One Substitute)

$169,000

$199,000

Battery Capability

47.74 kWh

63.13 kWh

Vary (WLTP)

310 km

420 km

0-100 km/h

8.3 s

8.2 s

Max Energy

126 kW

126 kW

Max Torque

250 Nm

250 Nm

Drive System

Entrance Wheel Drive (FWD)

Entrance Wheel Drive (FWD)

Cargo Area

228 L

228 L

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The Y Plus is the primary mannequin from GAC Group’s electrical automobile model AION to be offered in Hong Kong. The automobile contains a five-door design and falls into the compact SUV class. Its entrance finish has a full-width design, with LED headlights and daytime operating lights on each side, giving it a sci-fi look. It gives 7 exterior coloration choices and 5 inside themes, permitting house owners to combine and match in line with their private preferences.

The Y Plus has a spacious cabin and is well-equipped, together with options like an electrical driver’s seat, a multifunction steering wheel, a ten.25-inch digital instrument panel, a 14.6-inch central touchscreen, and an air-con system with PM 2.5 filtration, making it a superb worth for cash.










Mannequin

AION Y Plus

Worth (One-for-One Substitute)

HK$199,000

Battery Capability

63.2 kWh

Vary (NEDC)

490 km

Max Energy

150 kW

Max Torque

225 Nm

Drive System

Entrance Wheel Drive (FWD)

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The Wuling Air EV contains a 4-seat design with a physique size of lower than 3 meters. Its boxy form makes it compact and cute, simple to park, and able to navigating slim streets effortlessly. As a lot as 62% of the automobile’s physique is made from high-strength metal, enhancing security.

Though the cabin is small, the trunk capability can attain 704 L when the rear seats are folded down. It additionally comes outfitted with a dual-purpose 10.25-inch touchscreen digital dashboard. By way of efficiency, the Air EV is supplied with a 26.7 kWh battery, giving it a variety of 333 km (CLTC), making it appropriate for every day short-distance commuting. The Wuling Air EV has a price ticket of round HK$100,000, even with none One-for-One trade-in.









Mannequin

Wuling Air EV

Worth

HK$108,850 (no want for One-for-One Substitute)

Battery Capability

26.7 kWh

Vary (CLTC)

333 km

Most Energy

30 kW

Drive System

Rear-wheel drive (RWD)

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The Wuling Binguo EV, though bigger than the Air EV, remains to be compact with a size of just below 4 meters, making it appropriate for parking in slim areas and maneuvering by way of busy streets. The Binguo EV’s 37.9 kWh battery provides it a variety of 410 km and makes it best for city commuting.

The inside contains a two-spoke steering wheel and two 10.25-inch coloration screens. With the rear seats folded, the trunk capability can attain 790 L. The value is roughly HK$158,000 (no One-for-One trade-in required).











Mannequin

Wuling Binguo EV

Worth

HK$158,850 (no want for One-for-One Substitute)

Battery Capability

37.9 kWh

Vary (CLTC)

410 km

Most Energy

50 kW

Most Torque

125 Nm

Drive System

Entrance-wheel drive (FWD)

Cargo Area

As much as 790 L

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The NETA AYA is positioned as an entry-level compact SUV, with a size under 4.1 meters and a weight below 1.2 tons. It’s compact and light-weight, with a most energy output of 70 kW and a most torque of 150 Nm, leading to comparatively low power consumption.

Its vary (NEDC) of 401 km makes it appropriate for every day commuting or outings. The Clever model options numerous lively security methods, corresponding to lane departure warning, frontal collision warning, lane preserving help, emergency braking help, and adaptive cruise management. Regardless of its small dimension, the cargo area might be expanded from 335 L to 588 L with the seats folded.











Mannequin

NETA AYA Lite

NETA AYA Clever

‘One-for-One’ Worth

HK$160,377

HK$165,216

Battery Capability

40.7 kWh

40.7 kWh

Vary (NEDC)

401 km

401 km

Most Energy

70 kW

70 kW

Most Torque

150 Nm

150 Nm

Drive System

Entrance-wheel drive (FWD)

Entrance-wheel drive (FWD)

Cargo Area

335 L

335 L

【P 牌/新手買電車】買電動車優點|選購電動車注意事項及準則|6款20萬以下平價入門電車推介

The Nammi BOX is roughly 4 meters lengthy and out there in two variations: Nammi and Nammi Professional, outfitted with 31.4 kWh and 42.3 kWh batteries, respectively, providing ranges of 330 km and 430 km. The mannequin options an computerized parking perform that mechanically maneuvers the automobile right into a parking area as soon as detected, making it particularly appropriate for novice drivers.

The Nammi BOX can also be outfitted with an L2-level driving help system and a 540-degree panoramic encompass view system. The Nammi Professional additional options a number of lively security methods, corresponding to digital stability management, traction management, lively braking help, lane departure warning, lane preserving help, visitors signal recognition, and clever pace management.











Mannequin

Dongfeng Nammi

Dongfeng Nammi Professional

‘One-for-One’ Worth

HK$148,000

HK$168,000

Battery Capability

31.4 kWh

42.3 kWh

Vary (CLTC)

330 km

430 km

Most Energy

70 kW

70 kW

Most Torque

160 Nm

160 Nm

Drive System

Entrance-wheel drive (FWD)

Entrance-wheel drive (FWD)

Cargo Area

326 L

326 L

Comparing the quotes from over 60 HK insurers, Kwiksure helps you choose the car insurance that best fits your requirements. Get a quote now!

Ceaselessly Requested Questions

What ought to new drivers take note of when shopping for an electrical automobile?

Earlier than buying an EV, keep in mind to test the provision of parking and charging stations at regularly visited areas, in addition to the insurance coverage premiums to your desired fashions. Insurance coverage premiums are decided by numerous elements , together with the age and driving expertise of the policyholder, the automobile’s market worth and efficiency, the deductible, and the no-claims low cost (NCD).

Since younger drivers with a P license have little driving expertise and pose the next compensation threat, buying an upmarket EV with out an NCD within the first yr can lead to excessive insurance coverage prices. Subsequently, we suggest that younger drivers with a P license begin with entry-level automobiles to cut back insurance coverage premiums.

What electrical automobiles are appropriate for brand new drivers?

At present, numerous automobile manufacturers supply light-weight and reasonably priced entry-level fashions appropriate for brand new drivers. Fashions priced below HK$200,000 embrace the ORA 03 Customary/Lengthy Vary variations, AION Y Plus, Wuling Air EV and Binguo EV, NETA AYA, and Dongfeng Nammi BOX.

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