Being a billionaire, Batman probably doesn’t care overly much about the costs of insuring the Batmobile. Which is probably just as well, given that his driving record and his claims history would make his premiums pretty costly. So, how much would it cost to insure the Batmobile?
Age — Batman first appeared in comics back in 1939. If he was about 30 in 1939, that would make him 103 now. However, Batman seems to remain about 30 no matter which decade it is, so as a driver over 25, he could probably save some money on his car insurance.
Marital Status — As a single man, Batman would pay more in premiums. He may be able to save money on insurance if he married Catwoman, Batwoman, or any of his other numerous love interests, but that’s not really a reason to get married, is it.
Driving Record — Being in Commissioner Gordon’s pocket would no doubt stop Batman from getting issued with the dozens of driving violations he deserves. The average man with Batman’s driving record would probably be uninsurable.
Annual Mileage — Just driving in and around Gotham would keep the Batmobile’s mileage low. This would probably save Batman a buck or two in premiums.
Other Drivers — Who else drives the Batmobile? If Robin was ever allowed behind the wheel, it may cause Batman’s insurance to increase. Young drivers can be seen as risky, making car insurance more expensive.
Value — There have been various Batmobiles over the years, and most have been valued in the hundreds of thousands. Given the high value of the Batmobile, plus all its extras and gadgets, the total amount insured would make premiums fairly steep.
Cover Type — Given the number of scrapes Batman and the Batmobile get into, you would expect Batman to opt for comprehensive cover to allow him to claim when he needs to. While less cover would be cheaper, it would be better for Batman to pay more for more cover.
Risk in Gotham City — With so much crime, and so many baddies running around Gotham City, Batman may find himself paying higher premiums. However, he does have secure parking in the Batcave, which could save him some money.
Previous Claims — Batmobiles over the years have seen their fair share of damage, and if Batman made claims on these incidents, it will make him look high risk to insurers. Again, this will mean higher premiums for poor Batman.
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