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TWO WHEELER INSURANCE

Types of Electric Vehicles: A Complete Guide

Shashi Kumar 16 June 2025

Electric Vehicles (EVs) are on the rise in the Indian automobile market. People are making the switch to EVs for sustainability, and low recharge costs.

Types of Electric Vehicles

Last year itself, a total of 1,950,490 EVs were sold in India and by July 29, 2024, a total of 4,574,938 electric vehicles were registered across India. EVs come in different types for two-wheelers and four-wheelers as well. If you are planning on buying an Electric Vehicle for yourself, you will come across several questions like need for EV Insurance, which type will suit your needs or the legal requirements for owning an EV. You will find answers to all those questions here.

What Is an Electric Vehicle (EV)?

A vehicle that uses electric power or electricity to operate is known as an electric vehicle. EVs get power from an electric motor or battery that helps them run. This battery or motor can be charged externally through a dedicated charger. The charger of an EV comes in 2 different types one is regular and other is a fast charger. These vehicles do not emit any harmful gases or emissions like fossil fuels do. Therefore, making it a sustainable choice. EVs come for different types of vehicles like two-wheelers, three-wheelers and four-wheelers. Nowadays, almost every type of vehicle has an electric variant.

Types of Electric Vehicles Explained

There are multiple types of electric vehicles and each type has its own uniqueness. They are differentiated on the basis of how they work, hybrid potentiality, battery type, etc. Let us get into detail about all the different types of EVs available:

1. Battery Electric Vehicle (BEV)

BEVs or Battery Electric Vehicles are the most basic type of EVs. BEV runs on a single or multiple batteries without any fuel substitution, making it a complete electric vehicle. As there are no fossil fuels or any type of burning fuels involved, there is literally no emissions from this vehicle, causing negligible air pollution. Hence, for anyone looking for a sustainable option, BEVs are the perfect choice. There are multiple charging stations across the country for BEVs publicly and you can get one at home as well. BEVs have a range up to 500 km (depending on the model) on a full charge.

Pros and Cons of BEVs

Pros Cons
Zero tailpipe emissions Limited vehicle options (Although new vehicles are releasing)
Lower operating costs Longer recharging time compared to ICE vehicles
Quiet and smooth operation Higher upfront cost

Popular BEV Models in India

Model Approximate Price (Ex-showroom)
Tata Harrier EV ₹21.49 lakh
Tata Nexon EV ₹12.49 lakh
Tata Tiago EV ₹7.99 lakh
Mahindra BE 6 ₹18.90 lakh
MG Comet EV ₹6.17 lakh

2. Plug-in Hybrid Electric Vehicle (PHEV)

Plug-in EVs or more popularly known as PHEVs uses electricity to use the electric motor and also has petrol/diesel to power the engine. It can use electric only mode till the battery runs out and after that it switches back to petrol/diesel, making it a hybrid version. You can recharge the battery with an external charger or regenerative braking. It has a limited electric range, meaning you can only travel short distances on electric mode.

Pros and Cons of PHEVs

Pros Cons
Flexibility of fuel and electric power Higher cost due to dual systems
Reduced fuel consumption Limited electric-only range
Lower emissions than conventional vehicles Complex maintenance

Popular PHEV Models in India

Currently, PHEVs are not widely available in the Indian market. However, some global models like the Toyota Prius Plug-in Hybrid and Volvo XC90 Recharge are expected to enter the market in the future.

3. Hybrid Electric Vehicle (HEV)

HEVs are a combination of a conventional internal combustion engine and an electric propulsion system. Unlike PHEVs, HEVs cannot be charged externally; the battery is charged through regenerative braking and the engine. HEVs are oftentimes referred to in a short way as hybrids. It has a range similar to a conventional vehicle but has better fuel efficiency.

Pros and Cons of HEVs

Pros Cons
Improved fuel efficiency Higher initial cost than conventional vehicles
Lower emissions Limited electric-only driving
No need for external charging Complex powertrain

Popular HEV Models in India

Model Approximate Price (Ex-showroom)
Toyota Urban Cruiser Hyryder ₹11.34 - ₹19.99 lakh
Maruti Suzuki Grand Vitara ₹11.42 - ₹20.68 lakh
Toyota Innova Hycross ₹19.94 - ₹32.58 lakh
Toyota Camry ₹48.50 lakh

4. Mild Hybrid Electric Vehicle (MHEV)

MHEVs or Mild Hybrid Electric Vehicles cannot run on electricity solely. They use a small electric motor and battery to assist the engine, improving fuel efficiency. Even though it has electric in its name, it is not conventionally an EV, it just uses electricity to help boost the engine and reduce CO2 emissions by a little.

Pros and Cons of MHEVs

Pros Cons
Improved fuel efficiency Cannot run solely on electric power
Lower emissions Minimal electric assistance
Feels same as conventional car Limited environmental benefits compared to full hybrids

Popular MHEV Models in India

Model Approximate Price (Ex-showroom)
Toyota Fortuner 48V Mild Hybrid ₹44.72 lakh
Maruti Suzuki Brezza ₹9 lakh
Audi Q8 ₹1.15 crore

5. Range-Extended Electric Vehicle (RE-EV)

Pros and Cons of RE-EVs

Pros Cons
Extended driving range Presence of an internal combustion engine
Reduced range anxiety Higher complexity and cost
Lower emissions than conventional vehicles Limited availability in India

Popular RE-EV Models in India

Currently, RE-EVs are not widely available in the Indian market. However, models like the BMW i3 REx have been available in other markets and may enter India in the future.

6. Fuel Cell Electric Vehicle (FCEV) - Hydrogen Cars

FCEVs use a new technology, a chemical reaction to generate electricity in cars. They are known as hydrogen cars. They generate electricity through a chemical reaction between hydrogen and oxygen, emitting only water vapour as a byproduct. On a full tank it can go up to 600 kms depending on the model and tank size. The hydrogen stored in tanks reacts with oxygen in a fuel cell to produce electricity, powering the electric motor, therefore it contains a fuel tank to store hydrogen.

Pros and Cons of FCEVs

Pros Cons
Zero tailpipe emissions Limited hydrogen refuelling infrastructure
Quick refuelling time High vehicle and fuel costs
Long driving range Limited availability in India

Popular FCEV Models in India

Model Approximate Price (Ex-showroom)
Toyota Mirai ₹60 lakh (pilot program)

Comparison Table of Electric Vehicle Types

This table will summarize and help you decide which type will suit your needs the best:

Type of EV Power Source Charging Electric-Only Range Best For
Battery Electric Vehicle (BEV) Only electric motor + large battery Yes (external charging) 100–400 miles (160–640 km) Eco-conscious users; daily city drives
Plug-in Hybrid Electric Vehicle (PHEV) Combines fuel engine + electric motor Yes (external charging) 20–50 km (electric only) Users wanting electric + fuel flexibility
Hybrid Electric Vehicle (HEV) Fuel engine + electric assist motor No (self-charging via braking) Minimal (not primary source) Fuel efficiency without range anxiety
Mild Hybrid Electric Vehicle (MHEV) Fuel engine + small assist battery No (self-charging) None Budget-conscious drivers; small boosts
Range-Extended EV (RE-EV) Electric motor + fuel-powered generator Yes + self-charging generator High (battery-driven, extended by fuel) Long-distance drives without charge fear
Fuel Cell EV (FCEV) Hydrogen fuel cell + electric motor No; hydrogen refuelling 300–400 miles (480–640 km) Zero-emission users in hydrogen-equipped areas

Key Pros and Cons of Switching to Electric Vehicles

Key Pros of Switching to Electric Vehicles

  • Lower Running Costs

  • EVs are cheaper to run than petrol or diesel vehicles due to lower electricity prices and fewer moving parts.

  • Environmentally Friendly

  • No tailpipe emissions help reduce air pollution and greenhouse gases, improving urban air quality.

  • Government Incentives

  • Schemes like FAME-II offer subsidies, tax exemptions, and reduced registration fees.

  • Quiet and Smooth Drive

  • Electric motors offer a silent, vibration-free, and responsive driving experience.

  • Low Maintenance

  • Fewer mechanical parts mean fewer breakdowns and less servicing.

  • Instant Torque

  • EVs deliver immediate acceleration, enhancing city-driving performance

Key Cons of Switching to Electric Vehicles

  • Limited Charging Infrastructure

  • Public charging stations are still developing in many parts of India, especially Tier-2/3 cities.

  • Higher Initial Cost

  • EVs often cost more upfront compared to conventional vehicles, despite long-term savings.

  • Range Anxiety

  • Limited driving range and fear of battery drain can be a concern on long trips.

  • Battery Replacement Cost

  • While batteries last many years, replacement can be expensive when required.

  • Long Charging Time

  • Even with fast chargers, it takes longer to recharge an EV compared to refuelling a petrol/diesel vehicle.

  • Limited Model Availability

  • Fewer models are available in specific segments (e.g., pickup trucks, luxury SUVs).

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Insurance Availability for Electric Vehicles

Just like you need auto insurance for conventional petrol/diesel vehicles, you need four wheeler insurance and two wheeler insurance for Electric Vehicles as well. As per law, you still need to get a third-party cover for your E-bike or Electric cars to be able to legally drive on public roads of India. Here are the IRDAI rates for third-party insurance for electric vehicles:

Vehicle Category Power Output / Capacity Annual Premium (₹)
Private Electric Cars Not exceeding 30 kW 1,780
Private Electric Cars Exceeding 30 kW but not exceeding 65 kW 2,904
Private Electric Cars Exceeding 65 kW 6,712
Electric Two-Wheelers Not exceeding 3 kW 457
Electric Two-Wheelers Exceeding 3 kW but not exceeding 7 kW 607
Electric Two-Wheelers Exceeding 7 kW but not exceeding 16 kW 1,161
Electric Two-Wheelers Exceeding 16 kW 2,383

Also Read:

  • Top 10 Electric Scooters in India
  • 7 Key Factors to Consider When Choosing Electric Bike Insurance
  • Riding an Electric Scooter Without Registration in India - Is it Legal?

Frequently Asked Questions

What are the main types of electric vehicles?

The main types of electric vehicles include BEV, PHEV, HEV, MHEV, RE-EVs and FCEV.

What is the difference between BEV and PHEV cars?

BEV are primarily electric cars without any fossil fuel requirements, whereas PHEV are a hybrid version of an EV, using electric motors for short distances and then conventional engines when the battery is depleted.

Are hybrid cars considered electric vehicles?

No, BEVs are considered electric vehicles, HEVs use electricity to power up the engine to increase fuel efficiency.

Do you have to charge hybrid vehicles?

No, you do not have to externally charge hybrid vehicles, they use regenerative braking to charge itself.

Which type of electric car is best for long distances?

RE-EVs are the best type of EVs for long distances.

How much do electric vehicles cost compared to traditional vehicles?

EVs cost significantly higher than a traditional vehicle, but in the long-run provide better cost effectiveness because of the rising fuel costs.

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