{"id":487,"date":"2024-06-15T07:25:16","date_gmt":"2024-06-15T05:25:16","guid":{"rendered":"https:\/\/uscale.digital\/en\/?page_id=487"},"modified":"2026-11-14T19:14:58","modified_gmt":"2026-11-14T18:14:58","slug":"automotive-banking-in-electromobility","status":"publish","type":"page","link":"https:\/\/uscale.digital\/en\/automotive-banking-in-electromobility\/","title":{"rendered":"eMobility Financing and Insurance Study 2024"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull is-style-red-background\"><div class=\"wp-block-group__inner-container\">\n<h1 class=\"wp-block-heading\" style=\"text-transform:uppercase\">EV Financing and Insurance Study 2024<\/h1>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-grey-background\"><div class=\"wp-block-group__inner-container\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/uscale.digital\/wp-content\/uploads\/2026\/11\/EV-Financing-and-Insurance-Study.jpg\" alt=\"EV Financing and Insurance Study\" class=\"wp-image-6745 size-full\"><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-style-underlined\">Financing, leasing, and insurance: where electric car drivers stand today and what potential lies ahead, compared with hybrid and combustion car drivers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The study, conducted in cooperation with <a href=\"https:\/\/www.miios-research.de\/\" target=\"_blank\" rel=\"noreferrer noopener\">MiiOS Research<\/a>, not only investigates which types of financing and insurance e-car drivers use but also why.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The results show insurers and providers of financing and leasing what makes the EV market different and how they can improve their offerings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Financing and Insurance Study was conducted online in December 2023 among 2,442 EV drivers and shoppers in <strong>the DACH region<\/strong>. The sample includes 1,699 EV buyers, plus 324 hybrid buyers and 419 combustion car buyers for comparison.<\/p>\n\n\n\n<div class=\"wp-block-buttons\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/06\/EV-Financing-Studie-2024-Excerpt.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">DOWNLOAD STUDY EXCERPT <svg class=\"icon\" role=\"img\"><use xlink:href=\"#download\"><\/use><\/svg><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<h2 class=\"wp-block-heading is-style-underlined\">Contents and added value of the  EV Financing and Insurance Study<\/h2>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"contents-of-the-study\"><summary class=\"accordion-title\">Contents of the study<\/summary><div class=\"accordion-text\">\n<h3 class=\"wp-block-heading\">Segmentation criteria:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Type of financing (cash purchase, financing, private leasing, business leasing)<\/li>\n\n\n\n<li>Various attitudinal variables regarding financing and insurance<\/li>\n\n\n\n<li>Demographics of e-car drivers (age groups, household income)<\/li>\n\n\n\n<li>Living situation (size of residence, size of house)<\/li>\n\n\n\n<li>Driving habits (kilometres driven per year)<\/li>\n\n\n\n<li>Company vs. private car<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Information phase financing<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Attitudes towards buying a vehicle<\/li>\n\n\n\n<li>Perceived level of information about electric cars, financing and insurance<\/li>\n\n\n\n<li>Factors influencing the choice of vehicle<\/li>\n\n\n\n<li>Relevance of cost types for vehicle choice<\/li>\n\n\n\n<li>Purchase contract location<\/li>\n\n\n\n<li>Negotiation type<\/li>\n\n\n\n<li>Purchase price and negotiated discount<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Completion of financing contract:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Types of purchase (cash purchase\/financing\/leasing\/subscription, etc.) considered<\/li>\n\n\n\n<li>Type of purchase selected (cash purchase\/financing\/leasing\/subscription, etc.)<\/li>\n\n\n\n<li>Reasons for\/against cash purchase<\/li>\n\n\n\n<li>Reasons for\/against credit<\/li>\n\n\n\n<li>Reasons for\/against leasing<\/li>\n\n\n\n<li>Reasons for\/against subscription<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Banks for financing\/leasing\/subscription:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Shortlisted banks<\/li>\n\n\n\n<li>Selected banks<\/li>\n\n\n\n<li>Reasons for the choice of bank<\/li>\n\n\n\n<li>Change of bank compared to previous vehicle<\/li>\n\n\n\n<li>Reasons for changing banks<\/li>\n\n\n\n<li>Type of contract (full service vs. individual choice)<\/li>\n\n\n\n<li>Additional services<\/li>\n\n\n\n<li>Actual vs. desired term<\/li>\n\n\n\n<li>Monthly payment<\/li>\n\n\n\n<li>Satisfaction with dealer<\/li>\n\n\n\n<li>Satisfaction with financing process<\/li>\n\n\n\n<li>Satisfaction with financing partner<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Interest in additional products:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest in additional services (charging cards \/ sustainability of financing \/ financing of additional charging technology or photovoltaics)<\/li>\n\n\n\n<li>Surcharge for green finance offers<\/li>\n\n\n\n<li>Product market fit and willingness to buy finance-on-demand (i.e. possibility to adjust contractual conditions of loan and leasing contracts during the term), purchase drivers, purchase barriers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Insurance:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Place of purchase (where the policy was taken out)<\/li>\n\n\n\n<li>Type of contract<\/li>\n\n\n\n<li>Chosen insurance<\/li>\n\n\n\n<li>Satisfaction with insurance partner<\/li>\n\n\n\n<li>Satisfaction with the purchase process<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Data sensitivity:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Willingness to share various data from the vehicle<\/li>\n\n\n\n<li>Trust in the vehicle brand, the dealer, the insurance company, the bank or the leasing partner in connection with the sharing of data<\/li>\n\n\n\n<li>Use of the Connect app<\/li>\n\n\n\n<li>Reasons against using the Connect app<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Outlook for next vehicle:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>planned drive type<\/li>\n\n\n\n<li>planned brand<\/li>\n\n\n\n<li>planned type of financing<\/li>\n\n\n\n<li>planned financing partner<\/li>\n\n\n\n<li>planned insurance<\/li>\n\n\n\n<li>New vs. used car<\/li>\n<\/ul>\n<\/div><\/details><\/div>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"target-group-of-the-survey\"><summary class=\"accordion-title\">Target group of the survey<\/summary><div class=\"accordion-text\">\n<p class=\"wp-block-paragraph\">Drivers and buyers of fully battery electric vehicles (BEV) were surveyed for the study. The average holding period of the respondents was 9 months. For comparison, drivers of hybrid vehicles (HEV and PHEV) and combustion engines were surveyed.<\/p>\n<\/div><\/details><\/div>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"added-value-and-benefits-for-banks-leasing-companies-and-insurance-companies\"><summary class=\"accordion-title\">Added value and benefits for banks, leasing companies and insurance companies<\/summary><div class=\"accordion-text\">\n<p class=\"wp-block-paragraph\">The study is mainly aimed at business <strong>developers<\/strong>, <strong>product managers<\/strong> and <strong>marketing experts<\/strong> at <strong>captive and non-captive auto banks<\/strong>, <strong>leasing companies<\/strong>, and <strong>insurers<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The study shows EV buyers&#8217; specific information needs, the products they choose, and their interest in new offerings. This helps providers build on their strengths and address their weaknesses. Product managers get a solid basis for developing or revising their own offerings.<\/p>\n<\/div><\/details><\/div>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"dashboard-for-analysis\"><summary class=\"accordion-title\">Dashboard for analysis<\/summary><div class=\"accordion-text\">\n<p class=\"wp-block-paragraph\">Many of the most useful findings only show up when you break results down by customer group. That lets providers tailor their offers to each segment. With a large sample, subscribers can split the results any way they like in the interactive dashboard and dig into the details. In addition, the dashboard shows over 25,000 pre-clustered verbatim mentions of the respondents.<\/p>\n<\/div><\/details><\/div>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"uscale-multi-client-studies-user-studies-on-electromobility\"><summary class=\"accordion-title\">USCALE multi-client studies: User studies on electromobility<\/summary><div class=\"accordion-text\">\n<p class=\"wp-block-paragraph\">Since 2018, USCALE has surveyed EV drivers about their expectations and experiences at every touchpoint of the customer journey. See all USCALE multi-client studies <a href=\"https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2026\/10\/UScale-eMobility-Insights-FOKUSSTUDIEN-2026-en.pdf\">here<\/a>. For a summary of our EV customer research, see <a href=\"https:\/\/uscale.digital\/en\/ev-consumer-behavior-and-perceptions\/\">EV Consumer Behavior and Perceptions<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We publish excerpts from our studies in LinkedIn posts by <a href=\"https:\/\/www.linkedin.com\/company\/uscale-gmbh\/\">USCALE <\/a>and our founder, <a href=\"https:\/\/www.linkedin.com\/in\/axel-sprenger\/\">Axel S<\/a><a href=\"https:\/\/www.linkedin.com\/in\/axel-sprenger\/\" target=\"_blank\" rel=\"noreferrer noopener\">prenger<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This study was conducted in cooperation with <a href=\"https:\/\/www.miios-research.de\/\" target=\"_blank\" rel=\"noreferrer noopener\">MiiOS Research<\/a>, which contributed its extensive experience in customer research for both automotive banks and insurance companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have any questions, please contact us at <a href=\"mailto:contact@uscale.digital\">contact@uscale.digital<\/a> or MiiOS Research at <a href=\"mailto:info@miios.de\">info@miios.de<\/a>. <\/p>\n<\/div><\/details><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-grey-background\" id=\"Beratungsgespr\u00e4ch\"><div class=\"wp-block-group__inner-container\">\n<h2 id=\"FreeConsultation\" class=\"wp-block-heading is-style-underlined\">Book a free consultation now<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You have a product idea or an early concept and want to <strong>secure your investment<\/strong>?<br>Your product is ready to launch, and you&#8217;re looking for the best way to <strong>reach your target group<\/strong>?<br>After a successful launch, how can you prioritize which ideas to develop further?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wherever you are with your innovation, let&#8217;s talk. We&#8217;ll quickly see how we can best help you.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector main-contact-form\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f40-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"40\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/487#wpcf7-f40-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"40\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f40-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p class=\"form-element\">\n    <select class=\"wpcf7-form-control wpcf7-select\" id=\"anrede\" aria-invalid=\"false\" name=\"anrede\"><option value=\"\">Title<\/option><option value=\"Ms\">Ms<\/option><option value=\"Mr\">Mr<\/option><\/select>\n    <label for=\"anrede\">Title<\/label>\n<\/p>\n\n<p class=\"form-element\">\n    <input placeholder=\" \" size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"vorname\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"vorname\">\n    <label for=\"vorname\">First name <span class=\"required\">*<\/span><\/label>\n<\/p>\n\n<p class=\"form-element\">\n    <input placeholder=\" \" size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"nachname\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"nachname\">\n    <label for=\"nachname\">Name <span class=\"required\">*<\/span><\/label>\n<\/p>\n\n<p class=\"form-element\">\n    <input placeholder=\" \" size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"unternehmen\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"unternehmen\">\n    <label for=\"unternehmen\">Company <span class=\"required\">*<\/span><\/label>\n<\/p>\n\n<p class=\"form-element\">\n    <input placeholder=\" \" size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" id=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"email\">\n    <label for=\"email\">Email address <span class=\"required\">*<\/span><\/label>\n<\/p>\n\n<p class=\"form-element\">\n    <input placeholder=\" \" size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" id=\"telefon\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"telefon\">\n    <label for=\"telefon\">Phone<\/label>\n<\/p>\n\n<span id=\"wpcf7-6af93471877a9-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap first-name-wrap\" style=\"position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;\"><label for=\"wpcf7-6af93471877a9-field\" class=\"hp-message\">Please leave this field empty.<\/label><input placeholder=\" \" id=\"wpcf7-6af93471877a9-field\" class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"first-name\" value=\"\" autocomplete=\"new-password\" tabindex=\"1000\" data-cf7apps-tabindex=\"1000\"><\/span>\n\n<p class=\"form-element is-grid-column-2\">\n    <textarea placeholder=\" \" cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" id=\"nachricht\" aria-required=\"true\" aria-invalid=\"false\" name=\"nachricht\"><\/textarea>\n    <label for=\"nachricht\">Message <span class=\"required\">*<\/span><\/label>\n<\/p>\n\n<p class=\"form-element is-grid-full-width\">\n    <label class=\"checkbox privacy-checkbox\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><input placeholder=\" \" type=\"checkbox\" name=\"acceptance-983\" value=\"1\" aria-invalid=\"false\"><\/span><\/span>I agree that my data will be stored and processed for the purpose of contacting me. 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Over 100,000 electric car drivers in more than 15 countries were surveyed on their charging behaviour, pain points and expectations.\",\n  \"foundingDate\": \"2018\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"Silberburgstra\u00dfe 112\",\n    \"postalCode\": \"70176\",\n    \"addressLocality\": \"Stuttgart\",\n    \"addressCountry\": \"DE\"\n  },\n  \"telephone\": \"+49 711 620014 0\",\n  \"email\": \"contact@uscale.digital\",\n  \"sameAs\": [\n    \"https:\/\/de.linkedin.com\/company\/uscale-gmbh\"\n  ],\n  \"founder\": {\n    \"@type\": \"Person\",\n    \"name\": \"Axel Sprenger\",\n    \"sameAs\": \"https:\/\/www.linkedin.com\/in\/axel-sprenger\/\"\n  },\n  \"knowsAbout\": [\n    \"Electric mobility\",\n    \"Charging infrastructure\",\n    \"Fleet Electrification\",\n    \"Public Charging\",\n    \"Home Charging\",\n    \"Bidirectional charging\",\n    \"EV Customer Journey\",\n    \"Electric vehicle adopter segments\",\n    \"Product-Market-Fit Testing\"\n  ]\n}\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Person\",\n  \"name\": \"Axel Sprenger\",\n  \"jobTitle\": \"CEO\",\n  \"worksFor\": {\n    \"@type\": \"Organization\",\n    \"name\": \"USCALE GmbH\",\n    \"url\": \"https:\/\/uscale.digital\"\n  },\n  \"sameAs\": \"https:\/\/www.linkedin.com\/in\/axel-sprenger\/\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>EV Financing and Insurance Study 2024 Financing, leasing, and insurance: where electric car drivers stand today and what potential lies ahead, compared with hybrid and combustion car drivers The study, conducted in cooperation with MiiOS Research, not only investigates which types of financing and insurance e-car drivers use but also why. The results show insurers [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-487","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Automotive banking in electromobility<\/title>\n<meta name=\"description\" content=\"Automotive banking in electromobility follows different rules from those familiar from the world of combustion engines. 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