“The higher premiums are not simply an arbitrary figure but the result of underlying structural challenges.”Why EV premiums are higherAutoData tracks one of the UAE’s largest real-time datasets of used car and insurance quotes, covering thousands of claims monthly. In the United States, EV insurance premiums remain about 50 per cent higher than petrol equivalents, while China also faced steep premiums during its early adoption phase. Higher premiums present a friction point, but Fuchs does not see them as a major deterrent to EV adoption. Regulators can accelerate certification for multi-brand EV repair centres and push for greater transparency in reporting repair costs. What buyers should keep in mindFor prospective EV owners in the UAE, Fuchs advises looking at the full ownership picture:Model-specific premiums vary significantly.