Is there a difference in risk of insurance of EV and ICEVs?

Published March 2022

Insurance of electric vehicles

By Guillaume Serdeczny and Sarah Clarinard

 width= Guillaume Serdeczny works as a Senior Pricing Actuary at insurance company MAIF.
 width= Sarah Clarinard works as Chief Pricing Officer at insurance company MAIF.


In September 2021 Tesla Model 3 became the first electric vehicle to lead the best-selling cars chart in Europe. This could have been a seasonal effect of Tesla production timelines, but non-European Market share of battery electric vehicles went from 0,7% in 2017 to 7,5% of all new cars sold in Q2 2021 (source: ACEA).


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This article represents the opinion of the authors, and not necessarily the opinion of the AAE.

This article was published in The European Actuary No. 29 – March 2021

The European Actuary Magazine