Hybrid or electric VTC insurance: impact on the 2025 premium

In 2025, VTC drivers opting for hybrid or electric vehicles must anticipate a significant increase in their insurance premiums, mainly due to the elimination of the partial exemption from the TSCA and the increase in the Cat-Nat surcharge. Despite these increases, premium reductions of up to 15% can be obtained through eco-driving programs and ecological bonuses. It is essential for professionals in the sector to compare insurance offers and consider the assistance available to offset these increases.

An increase in insurance premiums in 2025

In 2025, VTC drivers who choose hybrid or electric vehicles will face a significant increase in their insurance premiums. This increase is mainly due to the elimination of the partial exemption from the Special Tax on Insurance Agreements (TSCA), which previously allowed a reduction of approximately 20% on the insurance premium. With the elimination of this exemption, electric vehicles will see their premium increase by approximately 22%, or approximately €439 including tax per year, while hybrid vehicles will see an increase of 5.5%, or approximately €115 including tax per year.

Additionally, the increase in the Cat-Nat surcharge, which covers risks related to natural disasters, also contributes to this rise. This surcharge has increased from 6% to 9%, affecting all types of vehicles, including electric and hybrid VTCs.

Opportunities for reduction despite everything

Despite these increases, there are opportunities for VTC drivers to reduce their insurance premiums. Some insurers offer discounts of 5 to 15% on the comprehensive premium for electric or hybrid vehicles, due to lower claims experience and tax benefits.

Additionally, eco-driving programs using telematics boxes can offer up to a 15% discount on the annual premium for low-emission vehicles. These programs encourage responsible driving and can be particularly beneficial for VTC drivers.

The importance of comparing offers

In light of these developments, it's essential for VTC drivers to compare the various insurance offers available on the market. Premiums can vary depending on many factors, such as vehicle type, driver profile, and region. For example, in Brittany, the average car insurance premium for hybrid models is €588, while in the Île-de-France region, it reaches €920.

Using online insurance comparison tools can help identify the most advantageous policies in terms of rates and coverage.

Conclusion

In 2025, although insurance premiums for hybrid and electric vehicles are on the rise, there are opportunities for reductions thanks to eco-driving programs and specific offers from insurers. It is crucial for VTC drivers to stay informed and compare offers to optimize their insurance costs while contributing to more sustainable mobility.

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