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Cover available can include:
- All types of electric cars insured
- Cover for charging cables, wall boxes and adaptors for accidental damage, fire and theft
- Battery cover for accidental damage, fire and theft
A guide to electric car insurance
Electric cars are becoming more popular with each passing day. With manufacturers making more affordable models and UK infrastructure getting better with each passing year, many people are choosing to make the switch to electric.
With greener vehicles becoming ever popular, you should consider car insurance cover designed specifically for pure electric vehicles so you can rest assured knowing your cover will keep your electric vehicle running.
So whether you’re considering a Tesla or already having fun in your Audi E-tron , you can put your mind at ease knowing your cover will keep your EV running!
If you’re looking for affordable electric car or EV insurance, then you’re in the right place. To get quotes now, simply click the green quote button. If you’re not certain which type of cover is best, then read on for more information about the different types of cover that are available as well as some of the most frequently asked questions people have about electric car insurance.
You can easily tailor your electric car policy so it includes only the cover you need.
Types of electric car insurance
Third party only
Third party only insurance is the minimum level of cover you’ll need to drive an electric car legally in the UK. It provides protection for other motorists if you’re involved in a collision and are the party to blame. It won’t provide any protection for your own vehicle but does make it road legal.
Third party, fire and theft
Third party, fire and theft provides some protection for your own vehicle as well as making it road legal. You’ll be covered for damage that happens as a result of fire as well theft of your car.
Comprehensive
Comprehensive insurance offers the most protection for your vehicle. It will be covered for fire and theft as well as collisions, even those that you’re at fault for.
Additional cover options
Charging equipment
A very useful type of additional cover you can get with an electric car policy is for charging equipment. This will cover charging cables, adaptors and wall boxes for fire, theft and accidental damage.
Battery cover
You can also get cover for the battery in your electric car, even if it’s leased separately. It will be covered for accidental damage, fire and theft.
European cover
If you plan to drive your car overseas, then you can get cover so you’re able to drive in some European countries. Be sure to check with your insurance provider to see which countries are covered and the level of cover you can get.
New locks and keys
If your keys were lost or stolen, then the replacement costs would be covered.
When you get quotes online, there’s no pressure or hard sell. You simply choose the policy that’s best for you.
Popular electric car brands you can get cover for
Renault Zoe
The Renault Zoe is one of the most popular electric cars on the market and for good reason. It has an excellent range of 245 miles per charge and plenty of incredibly useful features that make it popular with drivers, such as emergency brake assist, electronic stability control and rear impact absorbing seats and headrests.
Nissan Leaf
The Nissan Leaf is another extremely popular model of electric car. It has fantastic performance, good range and some excellent features that make it fun to drive as well as being safe. The ProPILOT and ProPILOT Park technology makes it a great choice for people who want to make their driving experience less stressful.
Mercedes-Benz EQC
The Mercedes-Benz ECQ is definitely on the more expensive end of the market for electric cars but it provides exceptional comfort and plenty of features that have made it a popular choice with drivers for the past few years.
Kia Soul
The Kia Soul is an affordable and practical choice for an electric car. The standard petrol model has been a big success and the electric version offers the same stylish looks with a great driving experience, impressive range and intuitive technology.
BMW i3
The BMW i3 is a very stylish model that has some great entertainment features and a range of roughly 160 miles from a full charge. Although not as popular as cars like the Nissan Leaf and Renault Zoe, it has plenty to offer and provides a relaxing driving experience.
Hyundai IONIQ EV
The Hyundai Ioniq EV has plenty of features that make it popular with buyers, including an immersive touch screen entertainment system. It also comes with roadside assistance and 5 annual vehicle health checks when bought directly from Hyundai. It has a generous range of 193 miles from a single charge.
Kia Niro
The Kia Niro is a hybrid vehicle, meaning you can get the benefits of a combined battery and engine. It has features such as wireless phone charging and assist control as well as very generous boot space, making it a practical choice as a family car.
VW E Golf
The VW Golf has been a very popular petrol car for many years and the EV model lives up to its reputation. It has excellent building quality, is spacious and practical and provides a quiet and smooth driving experience.
Tesla Model 3
Tesla Model 3 may come with a fairly steep price tag but it also provides incredible performance and a smooth driving experience. It also has a very impressive range of 374 miles.
Smart EQ fortwo
This smart car is ideal for city driving and short journeys thanks to its zippy performance and small size. Its small size does mean it has a much shorter range than a lot of other electric cars, at just 81 miles.
Types of Green Cars
Many people assume that the term ‘green cars’ refers only to electric vehicles but this is not the case. There are actually a few different types of green cars that work in different ways in order to reduce the reliance on fossil fuels. Below is a guide to the different types of green vehicles that are currently on the market to help you choose a green car.
Plug-in hybrid car
A plug-in hybrid car combines a regular petrol or diesel engine with a battery-powered electric motor. As the name suggests, plug-in hybrid cars can be plugged into mains in order to provide longer electric-only journeys. Plug-in hybrid cars are perfect for driving in urban settings since they enable you to drive on electric power only for up to 30 miles, helping to drastically reduce emissions and help you save money in fuel consumption. Another big benefit of plug-in hybrid cars is that they’re exempt from tax due to their low emissions.
Hybrid car
A hybrid car also has a petrol or diesel engine as well as a battery-powered electric motor. Unlike a plug-in hybrid, a hybrid car’s electric motor cannot be charged at the mains; instead it is charged by energy that’s captured when the vehicle brakes, or sometimes from the engine. Hybrid cars are another type of vehicle that are great for driving in urban areas. This is because they can run on electric power only for a good distance and when the vehicle is at a standstill, the engine is switched off, helping to cut down emissions and fuel consumption. Hybrid cars are considered a very economical choice, which is why a growing number of companies are now investing in hybrid cars.
Electric car
An electric car is the lowest emission car type that you can get. Unlike hybrids and plug-in hybrids, an electric car is powered purely by an electric motor. This means there are zero fuel emissions, making it a perfect environmental car. As well as the money you save in fuel costs and positive effect that driving an electric car has on the environment, they are also very enjoyable to drive. They’re extremely quiet and provide a smooth driving experience that many people find to be preferable to a petrol or diesel car.
Jargon Buster
If you’re in the market for a green car then it’s extremely useful to know what some of the most common terms mean. Below is a useful glossary of green car terms explained.
Auto stop-start
This is a common feature on green cars where the engine turns off when the car is at a standstill.
Bio-diesel
Diesel that has oil derived from plants.
Bio-ethanol
Petrol that contains oil derived from plants
Bluetec
A technology that provides a way of cleaning emission from diesel engines that was developed by VW and Mercedes.
CO2 air conditioning
A form of air condition that reduces air pollution
Direct injection
Fuel that is injected into the cylinder for more efficiency
Displacement on demand
Cylinders are shut down when the car is cruising
Down-sizing
Smaller engine sizes without a compromise on power
E85
A form of biofuel
Electric vehicles (EVs)
A car that runs solely on an electric motor with zero tailpipe emissions.
Electronic power steering (EPS)
A form of power steering where the hydraulic pump is removed, cutting fuel consumption.
Fuel cells
Cells that have no emissions at all.
Gas-to-liquid (GTL)
Gas that is converted to liquid and then mixed with diesel.
Homogenous charge
A form of petrol engine that works like a very clean diesel engine.
Hybrid car
A car that has a battery-powered electric motor in addition to a petrol or diesel engine.
Hydrogen fuels
Hydrogen fuel has zero emissions making it an ideal power source in theory.
Lithium-ion Battery
A type of battery that’s expected to be widely used in green cars in the near future.
LPG/CGN
Liquid Petroleum Gas and Compressed Natural Gas. Both used as alternatives to standard petrol.
Mild Hybrid
A type of electric motor that provides assistance to the engine but cannot power the car alone.
Particulates
The black soot that’s emitted from diesel engines.
Plug-in hybrid
The same as a hybrid car except it can also be charged at the mains
Regenerative braking
Where the brakes charge the battery that powers the electric motor of a hybrid car
Super caps
Capacitors that provide a boost to the engine over short periods.
Turbocharger
Boosts engine power with the added benefit of cutting fuel consumption.
Well-to-wheel
A way to measure the complete environmental impact of any given type of fuel.
Electric car insurance is also available for the many other makes and models of EV including:
Get electric car insurance quotes now
If you’re ready to get your tailored electric car insurance quotes now, then simply click the green button below. After you’ve provided the necessary information, you’ll be able to look through quotes from a range of providers and choose the one that’s best for you!
Electric Car Insurance FAQ
How much does it cost to insure an electric car in UK?
The cost of insuring an electric car in the UK will depend on a few different factors. These include –
- Your age
- Your driving experience
- The value of your car
- The repair costs of your car
- The level of cover you take out
Do you need insurance for an electric car?
Yes, you’re required to have insurance for an electric car just as you would with a standard petrol or diesel car. You can choose from the usual insurance options, such as third party; third party, fire and theft; and comprehensive.
You can also get electric car specific cover, such as battery cover and charging equipment cover.
Why is electric car insurance high?
Electric car insurance is often more expensive than insuring a regular petrol or diesel car. This is because there’s less data available on the repair costs, so insurers want to cover themselves.
The good news is that the cost of electric car insurance is coming down all the time as more data becomes available and they become easier to repair.
That’s why its always a good idea to compare electric vehicle insurance
Are electric car batteries covered by insurance?
Most insurance providers will provide cover for your battery as well as the car itself. Whether or not this is included as standard will depend on the insurance provider.
Batteries are typically covered for fire, theft and accidental damage. You can also get cover for charging equipment, including charging cables and wall boxes.
Why is Tesla insurance so high?
Tesla insurance is high mostly because of the higher costs of repairing Tesla cars when compared to other models.
You can help to cut down on the price of Tesla insurance by getting a third party only policy. This will mean your own vehicle won’t be covered but it does help to reduce the cost of your cover.
Do electric cars get stolen?
Although electric cars do get stolen, it’s not nearly as common as with regular cars. This is because a lot of newer electric cars have security features that make it much harder for thieves to target them. This includes things like pin to start ignitions and disappearing door handles.
A bigger problem with electric cars is theft of charging cables. This risk can be mitigated by making sure you don’t leave your car unattended while charging. You can also get cover for charging cables.
Do you qualify for a government grant for an Electric Vehicle?
Yes, certain types of electric or low emission vehicles can apply for this type of grant. The grant is put towards the price at which dealerships will sell their low-emissions car to customers. For example, if you are looking to buy a new electric vehicle and it’s £35k or less – then that vehicle qualifies with a maximum value granted by the UK Government of £2,500.
You can find the full list of grant eligible vehicles on the UK government site.
Is a Tesla expensive to insure?
It will depend on the exact model of Tesla you have as well as the insurance provider you get cover from and the level of cover you take out.
A comprehensive Tesla policy usually is more expensive than insuring other types of electric cars, everything else being equal.
Are electric cars classed as automatic?
Yes, the vast majority of electric cars on the market are automatic. Because there’s no gearbox, electric cars cannot be stalled like manual petrol cars, so there’s no gearbox and they drive like an automatic car.
The fact that electric cars are automatic makes them much simpler and safer to drive since you don’t have to worry about changing gears.
Do electric cars increase your electricity bill?
Although having an electric car does increase your electricity bill if you have a charging station at home, they still usually work out significantly cheaper than running a petrol or diesel car.
It’s also worth considering that the maintenance costs with electric cars are significantly cheaper too.
*51% of consumers could save £319.03 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from March 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.