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Citroen Ami car insurance

Why choose a Citroen Ami?

If you’re looking for something cheap, cheerful and ultra eco-friendly to drive around town, then the newly released Citroen Ami could be just up your street. 

Technically speaking, the Citroen Ami isn’t actually a car – it’s an electric quadricycle.  This means that anyone over the age of 16, with an appropriate UK licence and insurance can drive one.

With a top speed of 28 mph, you can’t legally drive a Citroen Ami on the motorway. But then it is specifically designed for urban driving.

Thanks to its compact size – just 2.4m long and 1.4m wide, it’s tiny enough to fit in the tightest of parking spaces. The 46-mile electric range may not seem much, but it’s perfectly adequate for whizzing around town. 

One odd quirk is that it’s only available as a left-hand drive. According to Citroen, it’s a safety feature, enabling the driver to get out on the pavement side. As the Ami is such a small car though, it really shouldn’t be an issue. With an automatic drive train and a choice of just three driving modes – drive (D), neutral (N) and reverse (R) – it’s very easy to drive. 

Boot space, as you’d expect, is pretty tight, so you shouldn’t expect to get much more than a few bags of shopping in the back. Surprisingly though, it’s got plenty of leg space up front. You could stick most of your shopping in the huge passenger footwell.

With a starting price of just £7,695, the Citroen Ami is much cheaper to buy new than ‘proper electric cars’ such as the SmartEQ Fortwo or Renault Zoe. However, it’s definitely a no-frills vehicle. There’s no air-conditioning or even a glove box.

Looks-wise, there’s no doubting the Citroen Ami is a bit of an oddball. But if you want functionality without the bells and whistles, it’s a great choice for eco-conscious city drivers who want a fun, simple and cheap way to get from A to B. 

What insurance group is my Citroen Ami in?

As the Citroen Ami is classed as a quadricycle, it isn’t placed in any of the car insurance groups.  

This doesn’t mean you can drive it without insurance, though. 

Even though it’s a one-of-a-kind, we can help you shop around for a specialist motor insurance quote. But there may be fewer providers to choose from compared with other small cars. Citroen UK also offers comprehensive insurance policies specifically tailored to the Citroen Ami.

What affects the cost of my Citroen Ami insurance?

While the Citroen Ami doesn’t fit into a car insurance group, there are other factors that will determine the cost of your insurance premium. These include:

  • Your age 
  • Your address 
  • Your annual mileage 
  • Your driving history 
  • Where you park your Citroen Ami overnight. 

These are examples of premiums for Citroen Ami models at the bottom, middle and top of the range: 

  • Entry level: Ami 
  • Mid-range: My Ami Pop 
  • Top-of-the-range: My Ami Tonic 

We can help you find a range of quotes for your Citroen Ami motor insurance based on your personal circumstances, so you can find a deal that works for you.

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What cover do I need for my Citroen AMI?

The levels of cover you can choose for your Citroen Ami are the same as any other type of vehicle insurance:

  • Third-party only – the most basic type of cover and the legal minimum you’ll need to drive on UK public roads. It covers injuries or damage to other people or their vehicles, but not to you or your Citroen Ami. 
  • Third-party, fire and theft – includes basic third-party cover, as well as cover for your Citroen Ami against fire damage and theft.
  • Comprehensive – the highest level of cover. As well as damages and injuries to others, it will also cover you and your Citroen Ami.

Don’t just assume that comprehensive will be the most expensive type of cover. That’s why it’s a good idea to compare a range of quotes. You may be able to find a higher level of cover for your Citroen Ami at a cheaper price.

What extras can I add to my Citroen Ami insurance policy?

Most insurance providers will let you add optional extras to your policy for an additional cost. Typical optional extras include:

Breakdown cover

Roadside assistance or recovery to a local garage if your Ami breaks down.

Personal belongings cover

Personal belongings cover cover for your personal possessions if they’re damaged or stolen from your Ami.

Personal accident insurance

Personal accident can provide compensation if you, your partner or a passenger is seriously injured or killed in a car accident.

Motor legal protection

Motor legal protection could cover legal costs if a claim is made against you, or if you want to make a claim against another driver.

Windscreen cover

Windscreen cover can pay for repair or replacement costs if your windscreen is cracked, chipped or smashed

Lost keys cover

Lost keys cover can pay for a replacement if your key or fob is damaged or stolen.

Courtesy car cover 

Courtesy car insurance covers a replacement vehicle for you to use if your Ami is being repaired following an accident.

No-claims bonus protection

This will ensure you don’t lose your no-claims discount if you need to make a claim.

Just be aware that extras can push up the price of your premium, so only add them if you need to. Some comprehensive policies have extras included as standard, so it’s always worth comparing before you buy.

Why compare Citroen Ami insurance with Compare the Market? 

The Citroen Ami is cheap to buy and cheap to run. It’s a quirky economic and environmental choice for thrifty city dwellers. So, why pay more for your insurance than you need to? 

We can compare 170[1] car insurance products from trusted UK providers to help you find the right cover for your Citroen Ami at a price that suits you. 50% of customers could save up to £563[2] on their car insurance when they compare with us.   

Compare quotes today and see if you could save on your Citroen Ami car insurance.   

[1] Correct as of March 2024.

[2] Based on Online independent research by Consumer Intelligence during March 2024, 50% of customers could save up to £563.15 on their car insurance premium.

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Frequently asked questions

What licence do I need to drive a Citroen Ami?

As the Citroen Ami is classed as a quadricycle, you’ll need an AM category licence or full UK driving licence (B) to drive one.

Do I need to pay annual VED road tax on a Citroen Ami?

Nope, the all-electric Citroen Ami is exempt from VED road tax. And zero CO2 emissions means you can breathe easy on big city streets as there’s no congestion charge or ULEZ to pay either.

How do I charge my Citroen Ami?

According to the official UK Citroen website, it takes 4 four hours to fully charge a Citroen Ami.

Simply plug the cable into a regular three-pin plug socket at home and charge it in the same way as your smartphone. If you have an ‘off-peak’ electricity tariff, it could work out cheaper to leave your Ami charging overnight.

The Citroen Ami also comes with a type 2 adaptor for charging when you’re out and about.  

Is a Citroen Ami safe?

The Citroen Ami doesn’t have any of the standard safety features such as air bags and ABS brakes that you’d get in a normal car.  

And because it’s not technically a car, it doesn’t have a Euro NCAP safety rating.  

That said, a Citroen Ami does offer more protection and stability than a moped or scooter. And with a top speed of 28mph, there’s no great danger of you going over the speed limit. 

Page last reviewed on 11 JANUARY 2024
by Julie Daniels