Are electric vehicles riskier than conventional cars? A new study suggests they might be

Recent research by our researcher Montserrat Guillen, along with Kevin McDonnell, Barry Sheehan, Finbarr Murphy (University of Limerick) examines the driving behaviour and insurance claims of over 14,600 vehicles in the Netherlands, comparing electric vehicles (EVs), hybrids (HEVs) and internal combustion engine (ICE) cars. The study combines detailed telematics data with claims information to analyse accident risks and driving patterns across fuel types.

Despite driving fewer kilometres on average, EV drivers are more likely to be involved in at-fault accidents than ICE drivers. Moreover, the resulting damages tend to be costlier—around 6.7% higher on average—mainly due to the expensive and sensitive battery components. Interestingly, telematics data show that EV and hybrid drivers engage in fewer risky driving behaviours, such as harsh braking or acceleration, than their ICE counterparts. However, this smoother driving style does not lead to fewer claims. In fact, longer EV trips are significantly associated with an increased likelihood of accidents.

The study highlights a potential trade-off: while EVs contribute to environmental goals, they may also introduce new challenges in terms of road safety and insurance costs. As EV adoption grows, the authors argue that insurers, regulators and manufacturers must address these emerging risks to ensure a safe and sustainable transition.

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