Owning a Europen UMO 5 electric car will cost 3 million rubles.

Total costs are estimated at approximately 3 million rubles. In this case, about half of the amount is spent on operation, and approximately 1.5 million rubles are associated with the loss of value of the car itself.

This approach allows us to evaluate not only current payments, but also the financial consequences of owning a car at the time of its sale.

How much does one kilometer of electric travel cost?

According to NAPI calculations, the cost of charging a UMO 5 Max over five years is 290.5 thousand rubles. Analysts used a tariff of 16.5 rubles per kW h.

With a mileage of 75 thousand km over the entire period, electricity costs average about 3.87 rubles per kilometer. The annual charging budget, with an even distribution of costs, reaches approximately 58.1 thousand rubles.

However, these values cannot be automatically transferred to every owner of an electric vehicle. Actual costs depend on the vehicle’s energy consumption, outside temperature, driving patterns, and charging method.

For example, in winter, an electric vehicle may require more energy to heat the interior and maintain the battery’s operating temperature. In urban conditions, the result also depends on traffic jams, driving speed, and use of the air conditioning system.

The tariff also matters. Owners who can regularly charge at home potentially gain an advantage over motorists who are entirely dependent on public charging stations.

Therefore, the 290.5 thousand rubles quoted are the result of a specific calculation scenario, and not a universal amount for all operating conditions.

Almost a million rubles for insurance

Insurance payments are one of the main expense items for UMO 5 Max. Over five years, CASCO is estimated at 827 thousand rubles, and OSAGO at 117.3 thousand rubles. All together, this amounts to more than 944 thousand rubles.

For the buyer, this amount may be more important than the difference in the cost of electricity and gasoline. Even if operating an electric vehicle is cheaper in terms of energy costs, the high cost of insurance can significantly reduce the financial advantage.

When assessing costs, it is worth considering that CASCO does not have a single rate for all drivers. The final price is affected by the vehicle’s characteristics, insurance terms, and the owner’s profile. Therefore, before purchasing, it is advisable to compare several offers, and not rely solely on average estimates.

Particular attention should be paid to the terms of repairs after an insured event, since the availability of spare parts and the cost of restoring the car may affect the insurance terms.

Loss of value: the main risk for the owner’s budget

Another approximately 1.5 million rubles is calculated for the decrease in the cost of the UMO 5 Max over five years. This is a significant portion of the total cost of ownership that is easily overlooked when comparing electric vehicles to gasoline-powered vehicles.

Depreciation is not a regular payment made by the owner each month. However, it reflects the difference between the initial cost of the vehicle and the amount that can be obtained upon resale.

For an electric vehicle, the residual value depends on more than just the mileage and body condition. Used car buyers may also consider the condition of the traction battery, availability of service, driving range, and the availability of newer models.

The situation in the new car market also has an impact: price changes and the emergence of new offers can adjust the value of vehicles already in use.

At the same time, a projected loss of 1.5 million rubles does not guarantee that the car will depreciate by exactly that amount in a particular case. The actual result depends on the market situation and the condition of the car at the time of sale.

What you need to consider when comparing an electric car with a gasoline car

The results of the UMO 5 Max calculation show that comparing cars only by energy costs gives an incomplete picture.

For a correct assessment, you need to take into account at least five factors:

Cost of energy. For an electric car, this is the cost of charging, for a car with an internal combustion engine – the cost of gasoline or diesel fuel.

Insurance. The cost of OSAGO and CASCO can significantly vary depending on the car and insurance terms.

Maintenance and repair. The difference is determined by the design of the car, the prices of parts and the characteristics of operation.

Tires and seasonal expenses. These costs must be taken into account for both types of cars.

Residual value. It is important to understand how much the car can be sold for after three, five or more years of operation.

Annual mileage also matters. With a small number of trips, the potential savings on electricity will be smaller in absolute terms. With intensive use, the difference in energy costs may become more noticeable, but the final result will still depend on insurance, maintenance, and depreciation.

Is the UMO 5 Max worth buying for the savings?

The NAPI calculation does not mean that the UMO 5 Max is not a good value for every buyer. It shows something else: the efficiency of an electric car cannot be judged solely by the cost of charging.

Over five years, with a mileage of 75 thousand km, electricity costs will amount to 290.5 thousand rubles, insurance will exceed 944 thousand rubles, and the loss of value is estimated at approximately 1.5 million rubles.

A potential owner should calculate their personal budget in advance, check the cost of insurance, evaluate the availability of charging infrastructure and take a realistic approach to predicting the resale price.

Conclusion: The UMO 5 Max demonstrates an important feature of the electric vehicle market – low energy costs do not necessarily mean a low total cost of ownership. When choosing a car, you need to consider the entire five-year budget, not just the charging costs.

Views: 182

Source: ufocar