Electric car insurance

Most mainstream insurers now offer insurance for electric cars.

This means you should be able to insure your electric car on a standard car insurance policy.

You should get the same level of cover and should still be able to choose from third party, third party fire and theft and comprehensive insurance policies. You should even be able to get black box insurance if you want it.

While this makes getting insurance for your electric car easy, it does mean your policy might not cover everything you want it to. Think damage to your charging cables, for example.

This is where specialist electric car insurance comes in. Currently, we only have a handful of insurance providers offering specialist electric car insurance policies.

When you get to our results page, you’ll know if it’s a specialist electric car insurance policy when you see electric cars written in bold below the provider logo. We’ll then show you what specific cover that provider offers for electric cars. With dedicated electric car policies, you’ll normally get added cover for things like your charging cables and adaptors.

You may not need to go through a specialist provider to get electric car insurance cover either. A handful of standard car insurance providers may offer it.

As many of the electric cars on the market have only been around a few years, they’re generally more expensive to buy.

This can sometimes make them more expensive to insure.

They can also be more expensive to repair than standard cars as their parts are typically less readily available.

Plus, they can require specialist servicing, which can also increase the cost of insurance for electric cars.

The same is true with electric van insurance.

But this doesn’t necessarily mean you’ll pay more for electric car insurance than for petrol or diesel car cover.

Electric cars have fewer parts that can fail, which can mean in some instances they can be cheaper to insure than fuel cars of the same value.

They tend to have top of the range safety features too, so insurers may see them as a safer option to insure. This may lower your insurance costs even more.

Wondering how to get cheaper car insurance? Try our guide. 

Electric car insurance typically covers everything standard car insurance does, depending on your policy type.

Where they can differ, though, is in the additional cover they can provide for things like your car’s:

• Battery
• Charging cables
• Adaptors
• Wall boxes

Some policies will also come with extras like accident liability cover as cables on your drive can be a trip hazard.

Alternatively, some providers such as ByMiles use smart technology in your car to tailor your policy price to the miles you drive.

As an example of what electric car insurance can cover, here are the benefits from an electric car insurance policy offered by one of the insurance companies we work with:

• Free recovery to the nearest charge point UK-wide if you run out of battery power
• Cover for charging cables, adaptors and wall boxes in case of accidental damage, fire and theft
• Accidental damage, fire and theft cover for your battery
• Lifetime guarantee on repairs (some restrictions apply)