{"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":"2026-03-25T15:29:04","modified_gmt":"2026-03-25T14:29:04","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 loading=\"lazy\" decoding=\"async\" width=\"1022\" height=\"1024\" src=\"https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study-1022x1024.jpg\" alt=\"EV Financing and Insurance Study\" class=\"wp-image-1144 size-full\" srcset=\"https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study-1022x1024.jpg 1022w, https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study-300x300.jpg 300w, https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study-150x150.jpg 150w, https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study-768x769.jpg 768w, https:\/\/uscale.digital\/en\/wp-content\/uploads\/sites\/2\/2024\/10\/EV-Finance-Study.jpg 1123w\" sizes=\"auto, (max-width: 1022px) 100vw, 1022px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading is-style-underlined\">Financing, leasing and insurances: Status quo and potential for e-car drivers compared to hybrids and combustion engines<\/h2>\n\n\n\n<p>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>The results show providers of both insurance services and financing or leasing offers the special features of the e-mobility market and how they can improve their offers.<\/p>\n\n\n\n<p>The Financing and Insurance Study was conducted online in December 2023 among over 2,442 e-car drivers and shoppers in <strong>the DACH region<\/strong>. In addition to 1,699 e-car buyers, 324 hybrid and 419 combustion car buyers were also surveyed 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.) shortlisted<\/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 instalment<\/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 graduation<\/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 conclusion 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>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-vendors-and-insurance-companies\"><summary class=\"accordion-title\">Added value and benefits for banks, leasing vendors and insurance companies<\/summary><div class=\"accordion-text\">\n<p>The study is mainly aimed at business <strong>developers<\/strong>, <strong>product managers<\/strong> and <strong>marketing experts<\/strong> from <strong>captive and non-captive auto banks<\/strong>, <strong>leasing providers<\/strong> but also <strong>insurance companies<\/strong>.<\/p>\n\n\n\n<p>Moreover, the EV Financing and Insurance study shows not only the specific information needs and the chosen products but also the interest of e-car buyers in new offers. This enables providers to improve both strengths and weaknesses of their own offers. Hence product managers receive a qualified basis for the development or revision of their own offers and services.<\/p>\n<\/div><\/details><\/div>\n\n\n\n<div class=\"wp-block-generic-accordion generic-accordion\"><details id=\"dashboard-for-analyses\"><summary class=\"accordion-title\">Dashboard for analyses<\/summary><div class=\"accordion-text\">\n<p>Many exciting findings only become apparent when the results are evaluated separately according to important customer groups. Thus this allows providers to target their offers to different user segments in a differentiated way. Thanks to the high sample size, subscribers to the study can split the results in the interactive dashboard as they wish and analyse them in detail. 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-focus-studies--user-studies-on-electromobility\"><summary class=\"accordion-title\">USCALE focus studies: User studies on electromobility<\/summary><div class=\"accordion-text\">\n<p>Since 2018, USCALE has been systematically surveying e-car drivers about their expectations and experiences at all touchpoints of the e-mobile customer journey. An overview with all USCALE Focus Studies can be found <a href=\"https:\/\/uscale.digital\/wp-content\/uploads\/2022\/11\/UScale-eMobility-Insights-FOCUS-STUDIES.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">HERE<\/a>.<\/p>\n\n\n\n<p>If you have any questions, please contact us at <a href=\"mailto:contact@uscale.digital\">contact@uscale.digital<\/a>.<\/p>\n\n\n\n<p>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>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","protected":false},"excerpt":{"rendered":"<p>EV Financing and Insurance Study 2024 Financing, leasing and insurances: Status quo and potential for e-car drivers compared to hybrids and combustion engines 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 providers of both insurance services and [&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 v27.3 - 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 to those familiar from the world of combustion engines. We show what matters.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uscale.digital\/en\/automotive-banking-in-electromobility\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Automotive banking in electromobility\" \/>\n<meta property=\"og:description\" content=\"Automotive banking in electromobility follows different rules to those familiar from the world of combustion engines. 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