Comprehensive Insurance Comparison for BYD Seal, Atto 3 & Dolphin (AU & UK Owner Quotes)
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Sharing our renewal quotes to help new buyers avoid the "lazy tax" from insurers who haven't updated their EV tables:
On-Road Impressions, Efficiency & Setup Details
- Australia (NSW/VIC/QLD, Rating 1, $1,000 excess):
- NRMA / RACV / Allianz / Budget Direct / Enthusiast: Ranging from $1,180 to $1,590 AUD/year (whereas a couple of outlier insurers quoted $2,600+!).
- UK (Comprehensive, NCD 5+ years):
- Admiral / LV= / Octopus EV / Aviva: £580 to £840/year once you enter the official Thatcham security code.
- Australia (NSW/VIC/QLD, Rating 1, $1,000 excess):
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Sharing our renewal quotes to help new buyers avoid the "lazy tax" from insurers who haven't updated their EV tables:
On-Road Impressions, Efficiency & Setup Details
- Australia (NSW/VIC/QLD, Rating 1, $1,000 excess):
- NRMA / RACV / Allianz / Budget Direct / Enthusiast: Ranging from $1,180 to $1,590 AUD/year (whereas a couple of outlier insurers quoted $2,600+!).
- UK (Comprehensive, NCD 5+ years):
- Admiral / LV= / Octopus EV / Aviva: £580 to £840/year once you enter the official Thatcham security code.
Shopping around saved me $940 AUD this week on my Seal Performance—Allianz came in at $1,340 comprehensive with free windscreen cover while my old insurer wanted $2,280!
- Australia (NSW/VIC/QLD, Rating 1, $1,000 excess):
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Shopping around saved me $940 AUD this week on my Seal Performance—Allianz came in at $1,340 comprehensive with free windscreen cover while my old insurer wanted $2,280!
@OliviaA_UK In the UK, Admiral MultiCar and LV= were nearly half the price of comparison site defaults for our Atto 3 Design.
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@OliviaA_UK In the UK, Admiral MultiCar and LV= were nearly half the price of comparison site defaults for our Atto 3 Design.
@sophier90 Always add "Choice of Authorised BYD Repairer" and Windscreen/Glass cover (since the windscreen has the ADAS camera calibration mount).
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Thanks for sharing the real-world numbers! Dealers rarely explain this clearly during handover, so having verified owner telemetry on the forum saves everyone a lot of guesswork.
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Appreciate the honest perspective! Every EV and PHEV platform has trade-offs, and seeing real long-term feedback like this is why independent owner forums are way more useful than brochure numbers.
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Interesting point about the charging curve. I found that plugging in around 15–18% SOC gives the fastest sustained peak kW before the BMS gently tapers above 80%.
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