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As a Zego policyholder, ensuring the safety and longevity of your vehicle is a top priority. One often overlooked aspect of vehicle maintenance is the repair of windscreen chips. While these small chips may seem insignificant at first glance, they have the potential to develop into larger cracks, leading to more extensive damage and costly repairs.

Our trusted partner, Autoglass®, offer timely and convenient windscreen chip repairs that can save you from the inconvenience and expense of a full windscreen replacement.

Ignoring chips caused by debris, potholes, or impacts may seem tempting, especially if they appear small or inconspicuous. However, chips can expand and develop into cracks over time, often due to temperature changes or even mild vibrations during normal driving.

There are lots of benefits to repairing vs replacing your windscreen:

 Windscreen chip repairs are less expensive than full windscreen replacements. By addressing the chip early, you can avoid the larger expense associated with replacing an entire windscreen.

: Autoglass® understands the importance of convenience for drivers. They offer a straightforward and user-friendly booking system, allowing you to schedule a chip repair at a time and place that suits you. Autoglass® strives to accommodate your needs and minimise any disruptions to your schedule, getting you back on the road as soon as possible.

: Windscreen chip repairs are relatively quick procedures that can often be completed within a short timeframe. By opting for a prompt repair, you can avoid the inconvenience of having to arrange alternative transportation or endure lengthy waiting times associated with windscreen replacements.

 Repairing a windscreen chip is a more environmentally responsible choice. By preventing the need for a windscreen replacement, you reduce waste and contribute to sustainability efforts.

Don't let a small windscreen chip turn into a costly and inconvenient problem. To book your windscreen chip repair with Autoglass, simply visit 

Remember, a small chip today can become a major crack tomorrow, putting your safety at risk and necessitating a costly windscreen replacement. By choosing Autoglass® for windscreen chip repairs, you can save money, time, and inconvenience, as well as reducing waste and emissions.

Act now and book your windscreen chip repair to help maintain a safe and hassle-free driving experience.

A small windscreen chip won't stay small for long. Here's how a quick repair saves Zego drivers money, time and a much bigger crack down the road.

Why repairing a windscreen chip matters





The Tesla Model Y is the UK's best-selling EV and one of the most-searched cars on UK insurance comparison sites. This guide pulls together the 2026 insurance picture: group ratings, real premium ranges, what to check in the policy wording, and where buyers most often overpay. Where figures come from public data sources, they're cited directly; where they're synthesised from multiple sources, they're labelled as estimates with the inputs shown.

The Model Y range now sits in insurance groups 

 for cars registered from late 2025 onwards.

This is a material change. Earlier in 2025 the entire range was rated between groups 46 and 50. Thatcham Research re-assessed the updated "Juniper" generation in late 2025 / early 2026 and lowered most trims. The Standard Range RWD dropped from group 46 to 37, the Long Range RWD from 45 to 39, and the Long Range AWD from 48 to 42. The new Model Y Standard, launched in late 2025, debuted at group 34 — the lowest of any Tesla ever sold in the UK. The Performance variant stayed at group 50.

Source: insurance groups confirmed against 

Carparison's Model Y group page (updated March 2026)

Select Car Leasing's coverage of the re-rating (2026)

. The group 34 figure for the new Standard variant is from 

. At time of writing, MoneySuperMarket's Model Y page still cites the older group 46-50 range.

What a Model Y actually costs to insure in 2026

The figures below are mid-market estimates for a representative driver, not Zego policy quotes. They're built from a blend of 

MoneySuperMarket's 2026 Electric Car Insurance Index

Representative driver profile for the estimates below:

 35 years old, 8+ years no-claims, full UK licence, average UK postcode, 8,000 annual miles, off-street parking. Your own premium will sit above or below these ranges depending on age, postcode, claims history, mileage and credit factors.

For context on how driver profile shifts these figures: Finder's published Model 3 quote analysis shows a comparable Tesla insuring at around £558 for the cheapest profile they tested and up to £15,746 for the most expensive (under-25 driver, expensive postcode, group 50 variant). The ranges above are the middle of that distribution.

Real-world owner quotes from Tesla Motors Club UK in early 2026 sit roughly within these ranges. For example: a 33-year-old driver in Oxfordshire with 8 years no-claims reported £798 with Admiral on a Model 3 pickup in late December 2025. A 44-year-old in the Midlands with 8 years no-claims reported £945 with Hastings Direct on a Model Y.

Why Teslas still cost more than rival EVs to insure

The gap has narrowed but hasn't closed. Five factors stack up, drawn from 

Thatcham Research's published guidance on EV insurance grouping

 and consistent reporting across the SERP:

Aluminium body construction costs more to repair.

 Tesla bodies use a higher aluminium content than most mainstream cars. Aluminium structural repair requires specialist tooling and certified technicians, of which the UK has a limited supply. Thatcham's published data on EVs broadly shows repair claims running around 25% costlier than petrol or diesel equivalents.

Sensor recalibration after most collisions.

 The Model Y carries a dense camera and radar array for Autopilot. Even minor front-end damage usually requires the full sensor suite recalibrated. Industry estimates put recalibration at £500-£1,500 per claim; this is a synthesised figure from multiple repair-industry sources rather than an officially published number.

The battery represents about 30% of the car's value.

 A Long Range AWD lists at £56,990, so a battery hit can quickly tip a claim toward write-off territory. This is the single largest reason EVs in general — not just Teslas — still rate higher than petrol equivalents.

 When a Tesla on Autopilot is involved in a collision, insurers face harder fault and contributory-negligence questions than with a fully manual car. The complexity gets priced in. We covered the broader picture in our recent guide to 

what self-driving cars are and how they work

 Insurance groups are partly driven by list price because write-off cost scales with value. The Premium and Long Range trims at £48,990-£56,990 sit naturally in higher groups than mainstream EVs at £30,000-£40,000.

For the broader picture on why EV insurance still runs above petrol equivalents, and where the trend is heading, see our pillar piece on 

whether electric cars are more expensive to insure

How the new Standard variant changes the maths

The Model Y Standard launched in late 2025 at £41,990, roughly £7,000 below the next trim up. To get there, Tesla used a smaller battery (around 60 kWh per Top Gear's review, since Tesla no longer publishes capacity), a less powerful single rear motor, a lowered 110 mph top speed, and a softened 0-62 of 6.9 seconds (versus 5.4 in the Premium variants).

Removed: rear-passenger touchscreen, front and rear light bars, adaptive shock absorbers, powered "frunk" lid. Retained: the 15.4-inch main screen, 19-inch wheels, panoramic glass roof, heated front seats, two wireless charging pads, Supercharger access, 314 miles WLTP range, and the same 835-litre boot.

The insurance saving from picking the Standard over the Long Range AWD comes from two compounding factors: a lower insurance group (34 vs 42) and a lower list price (£41,990 vs £56,990). Combined, this delivers an estimated £300-£600 annual premium difference for a representative driver, based on the group/premium relationships in MoneySuperMarket's 2026 EV index.

How the Model Y compares to other electric SUVs

With the new ratings, the Model Y range now overlaps with mainstream electric SUV territory. Group ratings below are sourced from Parkers, MoneySuperMarket and Thatcham's published group data; ranges reflect variant differences within each model.

A year ago, a buyer comparing a Model Y to a Kia EV6 faced a clear insurance penalty for choosing the Tesla. In 2026, on the right trim, the gap is mostly closed. The Performance variant remains in premium-EV territory.

What to check in a Model Y insurance policy

The standard checks for any EV policy plus a few Tesla-specific ones:

 Most comprehensive policies cover the battery against accidental damage, fire and theft, but a few require an add-on. The battery is the single most expensive component, so this isn't optional.

 A few policies cap recalibration costs or exclude certain ADAS components. Read the wording, especially on the Long Range AWD and Performance trims.

 Usually covered by either home or car insurance. Confirm exactly one of them covers your home charger. A typical wallbox replacement runs £800-£1,500.

 Public charging cables are theft targets. Some policies cover them as standard; some don't mention them. Specifically relevant for owners who use public charging frequently.

 Standard breakdown cover often doesn't include running out of charge mid-journey. The RAC introduced mobile EV charging units in 2019; check whether your provider has equivalent cover.

 Thatcham data puts EV repair times at around 14% longer than petrol or diesel equivalents. A policy that includes a courtesy car for the full repair period (not just the first 14 or 21 days) is materially more valuable than its price difference suggests.

 Tesla owners tend to take longer European trips because Supercharger coverage makes it practical. Confirm the policy includes EU cover and check the permitted continuous-use period abroad.

Seven specific ways to lower your Model Y premium

Choose the right trim, not the trim you can afford.

 Standard at group 34 versus Performance at group 50 is the single biggest lever — an estimated £600+ premium difference per year for the same driver profile, sourced from the group/premium relationships in MoneySuperMarket's 2026 EV index. Bigger than any other tactic combined.

 Owner-reported quotes from Tesla Motors Club UK in early 2026 show variation of £400-£800 between providers on identical cover. Include Tesla's UK insurance partner (currently Admiral, per 

) alongside the major comparison sites and mainstream insurers.

 finds drivers save most when quoting around 20 days before policy start, saving up to £227 on average. Tesla Motors Club discussion suggests September and March are the softest pricing periods on EVs.

 Moving from £250 to £500 typically reduces the premium by 10-15% on premium-bracket policies. Stay within what you can comfortably cover at claim time — Tesla repair bills run high, so excess matters more than on a petrol car.

 UK average annual mileage is around 7,400 miles, per Confused.com's published data. Over-stating mileage raises the premium; under-stating it can void cover after a claim. Off-street parking or a garage typically lowers the rating, especially at higher group levels.

Use a telematics policy if you're under 30.

 App-based telematics rewards smooth driving, which Model Y owners tend to do naturally because regenerative braking encourages anticipatory inputs. For a Zego-eligible profile, this can make a meaningful difference: 96% of Zego Sense customers paid less than their initial premium between June and August 2025, per 

. The savings are most pronounced for drivers under 25, where standard premiums are at their highest. New drivers considering a Model Y as their first EV should also look at our guide to the 

, which compares the Standard variant against more entry-level options.

 Monthly direct debit typically adds 10-12% in interest, per MoneySuperMarket's published guidance. On a £1,200 annual Model Y premium, that's £120-£150 saved by paying upfront.

For more detail on how telematics actually affects pricing, see our explainer on 

A growing number of Model Ys on UK roads are operated as private hire vehicles. 

Uber reports that more than 90% of new cars added to its UK platform are now electric

, and the Model Y is a frequent choice. Standard social, domestic and pleasure (SD&P) car insurance does not cover paid passenger work, regardless of how briefly. Drivers using a Model Y for Uber, Bolt, Ola or Freenow need private hire insurance specifically.

For drivers in this position, the trim economics shift. The Standard variant's lower insurance group is even more valuable, because private hire premiums sit above SD&P premiums across the board, so percentage savings translate into bigger absolute numbers.

Should higher insurance change your decision to buy a Model Y?

Most buyers: no. Performance buyers: maybe.

A Model Y Standard at £41,990 with insurance in the £650-£950 range is broadly competitive with a Kia EV6 or Hyundai Ioniq 5 on total cost of ownership, especially once Supercharger access, retained value and battery warranty are factored in. The Model Y is no longer the insurance outlier it was in 2024.

The Performance variant is a separate calculation. At group 50 with premiums of £1,400-£2,000+ a year, insurance alone over a three-year lease can exceed £5,000. For drivers who genuinely use the 3.5-second 0-62, that's the cost of admission. For drivers who'd never use the performance, the Long Range RWD at group 39 saves real money for capability most owners never miss.

When did Model Y insurance groups change?

 Thatcham re-rated the Juniper-generation Model Y range in late 2025 and early 2026. The Standard Range RWD moved from group 46 to 37, Long Range RWD from 45 to 39, Long Range AWD from 48 to 42. The Performance stayed at 50. Several comparison sites still display the old groups at time of writing.

Is the Model Y Standard really cheaper to insure than the Long Range?

 Yes. Group 34 versus group 39 (Long Range RWD) translates to an estimated £100-£250 lower annual premium for a representative driver, in addition to being £7,000 cheaper to buy. The trade-offs are a 314-mile range instead of 387, slower acceleration (6.9 vs 5.4 seconds 0-62), and reduced interior spec.

Does Autopilot affect my insurance group?

 The Thatcham group rating doesn't change based on Autopilot fitment. But individual insurers can price in claim-handling complexity, especially on Long Range AWD and Performance variants where Autopilot use is more common. Owner-reported quotes show wider variance between insurers on these trims.

Why is my actual quote so different from the ranges in this guide?

 The estimates above assume an experienced driver (35, 8+ years no-claims, average UK postcode). Drivers under 25 routinely pay 2-3x the figures here, which is why younger buyers should weigh insurance heavily in their EV choice. Our 

 guide covers this in detail. Drivers over 50 with maximum no-claims often pay less than the ranges shown. Postcode alone can shift the premium by £200-£400 in either direction. Use the estimates as a starting reference, not a quote.

Will Model Y insurance keep getting cheaper?

 The trajectory suggests yes. EV repair networks are still expanding, claims data is still maturing, and EV parts pricing continues to fall as production scales. Expect modest further drops on existing trims over the next 12-24 months, particularly as more independent garages become Tesla-qualified. Our pillar piece on 

Insurance group data: Carparison (March 2026), Select Car Leasing (2026), Top Gear (January 2026), Parkers, MoneySuperMarket

Premium estimates: synthesised from MoneySuperMarket's 2026 Electric Car Insurance Index, Finder UK Tesla quote analysis, and owner-reported quotes from Tesla Motors Club UK forum (2026)

Repair cost / claims data: Thatcham Research published guidance on EVs

Telematics performance: Zego Sense customer data, 01/06/2025 – 01/08/2025

Tesla UK insurance partner: Tesla UK third-party insurance support page

Tesla Model Y insurance runs £650-£2,000+ a year in the UK. The 2026 group ratings, sourced premium data by trim, and seven specific ways to cut yours.


Tesla Model Y Insurance UK: Costs, Cover & How to Lower Yours (2026)

Electric car running costs in the UK typically land between roughly £900 and £2,500 a year, depending on how you charge, how far you drive, and how the car is insured. The fuel type matters less than those three choices.

That is the part most running cost guides skip. They give you a single figure for "an EV" as though every electric car owner pays the same. They do not.

The driver who charges at home on an off-peak tariff and the driver who relies on rapid public chargers can pay around ten times more per mile for the exact same electricity. So this guide breaks the costs down component by component, shows you where that spread comes from, and explains which levers actually move the number.

How much does it cost to run an electric car in the UK?

Running an electric car in the UK typically costs between £900 and £2,500 a year for an average driver covering around 7,000 to 9,000 miles. The low end assumes home charging on an EV tariff. The high end assumes mostly public rapid charging.

The running cost is made up of five things: energy (charging), road tax, insurance, servicing and maintenance, and depreciation. Charging and insurance are where the biggest swings happen, and both are partly within your control. The rest are fairly fixed once you have chosen the car.

How much does it cost to charge an electric car at home?

Charging an electric car at home typically costs around 24.67p per kilowatt hour on a standard variable tariff, or as little as around 8.7p per kWh on a dedicated off-peak EV tariff. A full charge of a 60kWh battery works out at roughly £15, or closer to £5 on an EV tariff.

The standard rate comes from Ofgem's energy price cap for April to June 2026, which sets the average electricity unit rate at 24.67p/kWh for direct debit customers [1]. At that rate, a typical EV doing around 4 miles per kWh costs roughly 6p a mile to charge.

An off-peak EV tariff changes the maths completely. Zapmap data puts the typical off-peak rate at around 8.7p/kWh [2], which brings a full 60kWh charge down to roughly £5 and the cost per mile to around 2p. Over a year, that difference alone is worth several hundred pounds. Most charging in the UK happens at home, so for the majority of owners this is the rate that matters most.

Public charging costs significantly more than charging at home. As of April 2026, the weighted average pay as you go price was around 54p per kWh on slower chargers and around 79p per kWh on rapid and ultra-rapid chargers, according to the Zapmap Price Index (April 2026 data) [2].

In per-mile terms, that works out at around 16p a mile on slower public chargers and around 23p a mile on rapid ones. Set that against roughly 2p a mile on an off-peak home tariff and you can see why charging habits, not the badge on the car, dominate the running cost picture.

Rapid charging still has its place for longer journeys, and prices vary widely between networks, so it pays to plan around the cheaper options.

Yes. Electric cars lost their road tax exemption on 1 April 2025. Most EV drivers now pay the standard rate of Vehicle Excise Duty, which is around £195 to £200 a year depending on when the car was registered.

According to the RAC's EV road tax guide (updated March 2026), an electric car registered from April 2025 pays a reduced first-year rate of £10, then moves to the £200 standard rate from year two [3]. EVs with a list price above £50,000 also pay the Expensive Car Supplement, an extra £440 a year for five years, which takes the annual total to £640. Older electric cars registered before April 2017 pay just £20.

There is also a change on the horizon. From April 2028, the government plans to introduce a pay per mile charge for electric cars, currently set at around 3p a mile. For a driver covering 10,000 miles a year, that would add roughly £300 to the annual bill [3].

How much does it cost to insure an electric car?

Electric cars typically cost more to insure than petrol equivalents. According to the MoneySuperMarket Electric Car Insurance Index (early 2026 data), the average annual EV premium was around £562, compared with around £487 for a petrol car [4], a difference of roughly 15%.

The gap exists because EVs are more expensive to repair. Batteries are costly, parts and specialist labour are in shorter supply, and repairs take longer on average. The gap has been narrowing as the repair sector matures, but it has not closed. If you want the detail on where premiums sit, our guide on 

 goes deeper. For a model-specific view, our breakdown of 

 shows how trim choice can swing the premium by hundreds of pounds a year on the same car.

Insurance is also the running cost most directly tied to how you drive. A telematics policy prices you on your actual driving rather than a broad demographic bracket, which means careful drivers can bring the premium down. 

 works this way, scoring how you accelerate, brake, corner and stay focused, then reflecting that in your price.

That is a natural fit for an electric car. EVs reward smooth, planned driving anyway, because hard acceleration drains the battery and regenerative braking works best when you read the road ahead. The habits that stretch your range are the same ones that lift your driver score. It is worth understanding 

What does it cost to service and maintain an electric car?

Electric cars are generally cheaper to service and maintain than petrol cars. They have far fewer moving parts, no clutch or multi-speed gearbox, and no oil, spark plugs or exhaust system to replace. Annual servicing typically costs somewhere in the region of £150 to £250.

Regenerative braking adds to the saving. Because the motor does much of the slowing down, brake pads and discs often last two to three times longer than they would on a petrol car.

One cost runs the other way. EVs are heavier, thanks to the battery, and they deliver torque instantly, so tyres tend to wear faster. Budgeting a little more for tyres, roughly £200 to £400 a year depending on the car and how it is driven, is sensible. Smooth driving slows that wear down, which is another small win for the careful habits a telematics policy rewards.

Depreciation is often the largest running cost of all, and for electric cars it has been a moving target. EV values fell sharply in 2023 and 2024 as supply grew and the used market found its feet, but the picture has been stabilising as buyer confidence improves.

How much a specific EV loses depends heavily on the model, the battery health and the mileage. As a rough guide, many electric cars lose somewhere around 40% to 50% of their value over three years, broadly comparable to petrol cars, although some hold value notably better and some budget models notably worse. Buying used lets someone else absorb the steepest part of that curve. Our roundup of the 

 covers the affordable end of the market, including used-friendly options.

Is an electric car cheaper to run than a petrol car?

For most drivers, yes, but the size of the saving depends entirely on how you charge and drive. A driver who charges at home on an off-peak tariff can save a meaningful amount on energy alone compared with filling up a petrol car. A driver who relies on rapid public charging saves far less, and may save nothing on energy at all.

Zapmap's own driver profiles show the spread clearly. A household charging mainly at home can save close to £960 a year against running a comparable petrol car, while a driver split between home and public charging saves more like £520 [2]. Add the servicing saving, then factor in the road tax and insurance costs that now apply, and the honest answer is that an EV is usually cheaper to run, but not automatically and not by a fixed amount.

How to keep your electric car running costs down

The running cost of an electric car is unusually responsive to a handful of choices. Three make most of the difference.

First, charge at home on an off-peak EV tariff wherever you can. This is the single biggest lever, worth several hundred pounds a year against standard-rate or public charging.

Second, drive smoothly and consider a telematics policy. Gentle acceleration and early, light braking stretch your range and lift your driver score at the same time. With a usage-based policy, that careful driving feeds straight back into your premium. Our guide on 

 covers what's measured and how to improve.

Third, buy used and keep the mileage realistic. Letting someone else take the first three years of depreciation, and keeping annual mileage sensible, protects you against both the steepest value loss and the pay per mile charge arriving in 2028.

Get electric car running costs broadly right and an EV remains one of the cheaper ways to run a car in the UK. The fuel type sets the starting point. Your choices set the final number.

[1] Ofgem, "Changes to energy price cap between 1 April and 30 June 2026" (published 25 February 2026). Cited for the average electricity unit rate of 24.67p/kWh used to calculate the cost of charging at home.

[2] Zapmap Price Index (April 2026 data, updated 11 May 2026). Cited for public charging prices (around 54p/kWh on standard chargers, 79p/kWh on rapid and ultra-rapid chargers), the typical off-peak home tariff rate of 8.7p/kWh, and the annual saving figures for home and mixed charging against a petrol car.

[3] RAC, "EV road tax guide" (updated 6 March 2026). Cited for current Vehicle Excise Duty rates for electric cars, the Expensive Car Supplement, and the planned eVED pay per mile charge of around 3p a mile from April 2028.

[4] MoneySuperMarket, "The Electric Car Insurance Index" (early 2026 data). Cited for the average annual insurance premium for electric cars (around £562) compared with petrol cars (around £487).

What an electric car really costs to run in the UK in 2026, covering charging, road tax, insurance, servicing and depreciation, with verified figures.

Electric Car Running Costs in the UK: The Real 2026 Numbers




Yes, but by less than the headlines suggest. UK electric car insurance currently costs roughly 10-15% more than cover for an equivalent petrol model, down from around 25% at the 2024 peak. The gap is closing as more garages get EV-qualified and insurers build claims history. Model choice matters enormously, though: a Tesla Model Y still insures for nearly double what a Vauxhall Corsa Electric does. Below: the actual numbers, the four reasons behind them, which EVs buck the trend, and how to cut your premium.

Read our guide to 

some of the best electric cars for new drivers

Industry research consistently puts the gap between EV and equivalent petrol insurance in single or low double digits as of 2026. Auto Express's own analysis of model pairs found a Ford Puma Gen-E costs about £100 a year more to insure than the petrol Puma, roughly 10% more. A Volkswagen ID.3 Pro Match costs around 20% more than a 1.5-litre Volkswagen Golf. The Vauxhall Corsa Electric actually costs 

That last point matters: the "EVs cost more to insure" rule has exceptions, and the exceptions are growing.

MoneySuperMarket's 2026 index puts the Jaguar I-Pace at an average £921 a year, with the 

 close behind. At the other end, the Volkswagen e-Up, Mini Cooper Electric and BYD Dolphin Surf consistently rank as the cheapest EVs to insure.

The gap is narrowing, but it hasn't closed. Four reasons explain why:

Battery repair is expensive and often triggers a write-off

The high-voltage battery typically accounts for 30-40% of an EV's total value. Thatcham Research's data shows that even minor damage to the battery pack often forces a full replacement, because the diagnostic and repair options on most models are limited. A battery replacement costs £5,000-£15,000 depending on the car. When a relatively minor accident can write off a car worth £30,000, insurers price that risk in.

Specialist repairs cost more and take longer

EV insurance still costs more than petrol in 2026, but the gap has narrowed from 25% to 10-15%. See the real figures by model, and how to cut your premium.

Advice to help you make sense of insurance

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