ElectricCar Insurance

Protects your electric car battery against faults or damage.

Helps if your car runs out of battery or develops an electrical fault.

Covers your charging cable if it’s lost, stolen, or damaged, including incidents at a public charge point.

Covers accidental damage to a charge point while charging your electric car, whether you’re away or have your car at home.

Pays out if you or a passenger is seriously injured in an accident.

Covers legal costs after a collision, like recovering losses or defending a claim.

Lets you keep your discount after a limited number of claims.

Keeps you mobile with a replacement vehicle while yours is being repaired.

Extends your policy so you're insured when driving across Europe.

Many insurers include hybrid electric vehicles under their policies. So, you can get the same cover for electric and hybrid cars as you would for a fully electric model. These policies handle both the electric components and standard engine parts from petrol and diesel cars.

In many cases, your existing policy can be updated so that your car insurance will cover electric cars. Let your insurer know about the new vehicle and any changes in use or specs, because this will affect your premium.

If your car and battery are damaged, it can be costly to repair, so you will need policies that specifically cover both components.

Your electric motor and the rest of the vehicle are still covered under your car insurance, but you may need to check that the policy explicitly includes leased batteries (property of the leasing company).

When buying an electric car, you may be able to rely on government incentives. These grants reduce the upfront cost of new electric cars to offset the higher price compared with petrol or diesel vehicles.

Some insurers apply an additional excess added for electric cars due to the higher cost of components like the battery. If you make a claim, you might pay more out of pocket before your insurance kicks in.

Most electric cars used to be exempt from the standard Vehicle Excise Duty; however, now, from the second year, they attract the standard £195 rate, plus a luxury vehicle tax if they cost more than £40,000 new. A pay-per-mile scheme will also be introduced from 2028.

Yes, you can insure an EV on a temporary basis. Short-term policies are available for days or weeks if you need cover for a loaned, leased, or new EV before arranging a full policy.

Electric cars often fall into higher insurance groups than petrol vehicles. This is because the cost to repair or replace components, such as the battery and electric motor, tends to be higher.

Yes, young drivers and learners can get a quote for electric cars. Premiums may be higher than for experienced drivers, but some insurers offer policies specifically for new or learner drivers.