Controlling TCO with home recharging: a strategic lever for businesses

At a time when the electrification of fleets is becoming a major focus of the energy transition, companies need to pay particular attention to a key indicator: TCO (Total Cost of Ownership). While electric vehicles offer the promise of long-term savings, it's important to keep a close eye on all costs, especially those associated with charging. And when charging takes place at employees' homes, the task can seem even more complex. However, with the right supervision solutions, it is entirely possible to turn this into an asset for economic performance.

Controlling your TCO on home recharging: what you need to know

At a time when electric mobility is becoming a key issue for companies, home recharging of company or service vehicles should not be seen as a blind spot. Quite the contrary: with the right tools, it represents a formidable lever for controlling TCO (Total Cost of Ownership).

In a nutshell:

• The TCO of an electric vehicle depends largely on energy costs and recharging management.
• Home recharging, which is less costly than public stations, helps reduce energy bills, provided it is properly monitored.
• Supervision makes it possible to centralize refill data,automate refunds and guarantee tax compliance (NEA).
• The choice of the right technical solution (terminal or connected cable) depends on the employee's usage profile.
• With a partner like Bump, companies can effectively manage their entire recharging strategy, integrating all locations (business, home, roaming) into a single management portal.

💡 In short: home recharging is no longer a headache. With connected, supervised and tax-compliant solutions, it becomes a major economic asset for controlling TCO and making a success of your energy transition.

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Understanding TCO: beyond the purchase price

The notion of Total Cost of Ownership (TCO) is central to any fleet management strategy. It enables us to evaluate the real cost of a vehicle, well beyond its list price.

What is the TCO of an electric vehicle?

TCO covers all the direct and indirect costs associated with the use of a vehicle over its lifetime. For an electric vehicle, this includes

• The purchase or lease price of the vehicle (including bonuses or subsidies)
• Charging costs (home, on-site, roaming)
• Maintenance and servicing costs, generally lower than for combustion vehicles
• Insurance, often in line with or slightly lower than that of a thermal equivalent
• Taxation: zero VAT, attractive depreciation, advantages on AENs
• Residual value at resale

➡️ Recharging represents a significant proportion of TCO, particularly for employees recharging at home. It is therefore essential to have a clear vision and precise monitoring of this consumption.

The impact of home charging on TCO

Home recharging is becoming the norm for employees equipped with electric company or service vehicles. However, without a monitoring or supervision tool, it can quickly become a blind spot in TCO calculations.

Home recharging: costs that are hard to see without supervision

Unlike on-site recharging, where the company controls the infrastructure and data, home recharging relies on a third-party infrastructure: that of the employee. This involves several challenges:

• Electricity rates vary according to supplier and time of day (peak/off-peak).
• Difficulty identifying vehicle-related consumption in the household's overall electricity bill.
• Risk of undetected over-consumption or abuse in the absence of automated monitoring.
• Unclear reimbursement of employee expenses.

Without a reliable measurement system, the company finds itself forced to reimburse on a flat-rate basis, to manage manual statements or, worse still, not to reimburse at all, which can slow down the adoption of electricity by employees.

Controlled recharging = optimized TCO

On the other hand, when properly supervised, home charging can become a major lever for reducing TCO, thanks to :

• Lower energy costs than roaming.
• Greater convenience for the employee, who can recharge at night without having to stop the vehicle during the day.
• Infrastructure financed on a one-off basis, for daily recharging.

➡️ But to benefit from these advantages,home charging mustbe integrated into the overall supervision strategy.

Supervision: the key to integrating home charging into your TCO

For home recharging to be a performance driver rather than a grey area, supervision is essential. It enables the company to monitor, control and manage recharging as if it were carried out on site.

Centralized supervision, even at home

Thanks to today's technologies connected cables and supervised terminalsit's possible to collect precise, real-time data on :

• Number of kWh consumed
• The exact cost of each refill (according to the rates in effect at home)
• Charging times (useful for optimizing off-peak charging)
• Recharging location (useful for multi-site fleets)

This data is automatically fed into a supervision platform, accessible to fleet managers, finance managers and HR teams. They enable simplified management of reimbursements and rigorous accounting traceability.

Reimbursement and taxation: supervision simplifies everything

One of the major advantages of supervision is that it facilitates the management of reimbursements and their inclusion in the calculation of AEN (Avantage en Nature).

• The manager can automate the reimbursement of kWh actually consumed at home.
• Data can be exported to justify expenses (per employee, per month, etc.).
• Consumption is taken into account in calculating the AEN, with the allowances provided for in the 2025 Finance Bill (up to 70% allowance, up to a limit of €4,582 per year).

➡️ Supervision transforms a diffuse expense item into a precise, controllable indicator, directly integrated into the vehicle's TCO.

Optimize TCO with the right technical solution

The choice of home recharging solution has a direct impact on the company's ability to control costs, but also to guarantee employee comfort and support.

Connected cable or charging point: which solution for which use?

Companies have two main options for equipping their employees at home:

• Connected cables: economical, mobile and easy to deploy, they are ideal for employees who are not very sedentary, or who make only moderate use of their vehicles. Today, many connected cables can automatically track consumption data, ensuring sufficient follow-up for reimbursements and NEAs.
• The residential charging station: more powerful, more secure, it is designed for employees who use their vehicles intensively or daily. Connected to a supervision platform, it enables perfect traceability of charging data.

The Bump offer: supervision, reimbursement, NEA compliance

By opting for Bump's solution, companies benefit from comprehensive, turnkey support to keep their TCO under control:

• Installation of terminals or supply of connected cables, adapted to each usage profile.
• Centralized supervision of consumption, regardless of charging location (home, business, roaming).
• Automated reimbursement of home recharging costs.
• Tax compliance for NEAs, with integration of data into accounting tools.
• A single management portal for tracking costs, comparing performance and optimizing energy strategy.

➡️ With a solution like Bump's, home recharging becomes a lever for economic, logistical and fiscal performance.

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