Compare EV Insurance

EV Insurance Quotes

Electric vehicles are getting more popular all over the UK. But the price of EV insurance is not the same at each company. Some will charge a lot more than others. When you put in your registration number, we will check prices from over 120 insurers. That way, you can find a policy made for your electric car. With us, you also get cover for the battery, charging gear, and any special repairs your electric car may need.

Whether you drive an electric car like a Tesla, Nissan Leaf, or Kia EV6, you might be thinking about cheaper options. Looking into EV insurance can help you save time and money.

Why compare EV insurance?

Electric cars often cost more to fix than petrol cars. This is because the electric car uses specialist parts and special high-voltage tools. They also must have people called EV technicians who know how to work with this high-voltage system. The insurers see an electric car in a different way compared to petrol cars. So, there could be big changes in the price you pay to insure one, with each company giving a different cost.

That is why it is good to get and compare EV insurance quotes, so you know what you might pay for insurance for your electric car. This works for any kind of electric car you have, like a Tesla, Nissan Leaf, MG4, Hyundai Ioniq, Renault Zoe, or another one you use.

When you compare quotes, you can easily see:

Which insurers offer specialist EV cover
Some insurance companies have special EV insurance just for electric cars now. The plans protect things like your EV batteries, charging cables, built-in tech, and use approved repair centres. Your car gets looked after by people who know how to fix cars with high-voltage systems.
Whether battery cover is included
EV batteries cost the most to fix or replace. A full EV insurance plan should give you battery cover if the battery has accidental damage, gets stolen, or starts a fire. Some plans might give less battery cover, especially for batteries you rent. It’s good to check the level of cover between plans before you pick what’s right for you.
How much you could save by switching
Many electric cars fit into higher insurance groups, and repair costs are different for each model. Because of this, money you pay can change a lot if you get quotes from several companies. A different company might look at your year’s miles or the way you use a charging point and see you as low risk, which can save you money. Try comparing plans to see if you can get a better deal.
Options for home charger cover and breakdown support
Most insurers offer options now to protect your home charging point, charging cables, and things that might happen when you plug in your car. You can also compare breakdown support for electric cars. Some extras will tow your car to a charging point if your battery is empty. Look for help from

Start comparing EV insurance quotes now

What information do I need to compare EV insurance?

To get the right EV insurance quotes, you need to give the same important details that you would give for a regular car insurance plan. You also have to add some extra information that is just for an electric car. Be sure you have all you need before you start. This will help make the process faster and easier. A full list of your details lets insurance companies give you the best and most accurate price for your electric car insurance.

Your vehicle information

When you give your registration number, insurance companies use it to know the make, model, and trim of the car you have. If your car is an electric car, they also get details like the size of your battery, type of motor, distance it can travel, and if there are rapid, fast, or AC/DC charging options. The company may also find out if you own the battery or if you lease it. All of these things help them see how much money repairs might take and this will affect what you pay for your insurance.

Insurers also consider:

The value of your EV
The insurance group your vehicle is in
Any changes you have made, like new chargers or updates to software
The price for new parts and the work at expert EV repair shops

Your driving and claims history

How you drive and your claims history are big signs of risk for the insurer. The insurer will often ask if you had any accidents, driving convictions, or made claims over the last five years. A strong no claims bonus will help make your EV insurance cost less. Sometimes, it can even help with the higher repair costs that electric vehicles often have.

You may also be asked about:

Your yearly miles
Your travel routine
If you charge your car at home most of the time, or use a public charging station
Any business use you need

Your personal details

Your age, job, licence type, and where your home is can show insurers how likely you are to make a claim. They look at this for both EVs and petrol or diesel cars. If you keep your car in the garage, on a private driveway, or in a safe spot, there is less chance of theft or damage. This is very important for EVs, as the car has key parts like high-voltage batteries.

Charger location

Because the spot you pick to charge your car can change safety risk, some EV insurers need to know where you plug in your car the most.

Garage or private driveway: the garage or a private driveway is often the safest place to charge.
Designated off-street space: this spot is in the middle for risk.
On-street charging: this way can bring more risk. The cable may be out in the weather or be broken by others.

Some insurance companies ask if the home charger is installed by a professional. They want to make sure it is safe for you and that it meets UK rules.

Type of cover

You can choose from the same car insurance options as you would for any other car. But, you need to think about some things that are important only for electric cars.

Fully comprehensive EV insurance – This insurance covers your electric car, battery, and charging equipment. It also protects your car against fire, theft, and any damage. Even if the accident is your fault, you still get help.
Third-party, fire and theft – This cover will help if there is a fire, theft, or if your electric car causes damage to someone else’s things. But it does not pay to fix your own car.
Third-party only – This is the basic legal level. It does not help with your battery or charging equipment for the electric car.

Having all this info ready will help you get the right electric car insurance quotes for your car the first time. When you use correct details, there will be no delays or wrong prices. So you can move ahead faster with car insurance for your electric car.

T&C’s apply.

What information do I need to compare EV insurance

What does EV insurance cover?

Electric car insurance gives you the same protection as regular car insurance. It also takes care of special parts that only electric cars have.

Typical EV insurance covers:

Battery damage and when you need to get it replaced
Charging cable and charging port
Home charger units; some insurers can give this as a choice
Damage to your car that happens while charging
Accidental damage, fire, and theft
Third-party liability
Windscreen and glass cover
Breakdown help for EVs; this can be an option

Some plans can help you when your battery dies. You will be taken to the nearest charging point.

Types of EV insurance policies

You get the same coverage with this car insurance as you do with normal car insurance. The main thing that makes it different is that this plan has rules made for electric vehicles.

Fully Comprehensive EV Insurance

This is the top level for an electric car cover. It pays for damage to your electric car and to other cars or people. The cover protects against fire, theft, and gives battery cover too. You can also add options for charger cover or get a courtesy car if needed.

Third-Party, Fire and Theft

This plan will help you if your electric vehicle is stolen or gets damaged by fire. The plan also gives money if you hurt someone or break something that belongs to them. But if you get in an accident and it is your fault, the plan will not give you money for your own electric vehicle.

Third-Party Only

This is the lowest level of cover that you can have. It helps with costs if you damage someone else’s car or things. It does not cover your battery, your charger, or repairs to your own EV.

Compare Electric car insurance deals

How much does EV insurance cost?

The price can change because of several things, just like with petrol or diesel cars. But when it comes to electric cars, there are some extra EV parts that you have to think about too.

Insurers look at:

Battery type. You should know if you lease it or if that battery is your own.
Cost for fixing your electric vehicle.
Insurance group. A lot of electric cars are put in higher groups.
Where you go to charge the vehicle.
How many miles you drive in one year.
Your driving history.
Where you live and where you keep the vehicle parked.
Extras you may want, like cover for your chargers and help if the car breaks down.

If you drive less each year, you may be able to pay less for insurance. Keeping your EV on your driveway or in the garage can also help you get a lower price.

How can I get cheaper EV insurance quotes?

Here are some good ways you can pay less for insurance for your electric car:

Choose a lower-group EV

Cars like the Renault Zoe and Nissan Leaf are usually in low insurance groups.

Protect your EV with approved security devices

Devices like immobilisers or trackers are a good way for you to cut down on your insurance costs. If you want to get cheaper premiums, you can use these. The use of these may help you feel more safe. They may also bring down what you pay for insurance each year.

Use your no claims bonus

A good NCB can really help you save money on your EV insurance. The cost you pay for your insurance will be lower if you have a good NCB.

How can I get cheaper EV insurance quotes

Add a named driver (carefully)

Adding an experienced driver to the policy may help lower the cost of your insurance. But do not list a driver as the main one if that person does not drive the car most of the time. That is not allowed by law.

Lower your annual mileage

EV drivers who drive in the same area most of the time may pay less for insurance.

Install a dedicated home charger

Some insurers may give you a discount if you charge your car in a spot that is safe and not on the street.

Consider telematics EV insurance

Some companies give the people black-box systems or apps for telematics in electric cars.

Check today’s best EV insurance prices

Do I need special insurance for the EV battery?

Most EV insurance plans include battery cover as part of the deal. This cover is common, but each provider may offer different kinds of protection. The battery in your car can cost a lot to fix or replace. It is important for insurers to know if you own the battery, or if you lease it. A battery cover can help with accidental damage, fire, theft, or when something goes wrong after an accident. If you get your battery from the maker on a lease, the lease company may have its own cover for it. In this case, your EV insurance might just need to cover your car and not the battery. To be sure you have full cover, always check these points when you get a quote for ev insurance.

How does EV insurance work if my battery is leased?

Some electric cars, like the Renault Zoe and Nissan Leaf, may have a battery lease, mostly in older models. If your car’s battery is leased, your insurance may treat the car and battery as separate items. The car is covered by normal insurance, like comprehensive or third-party. The battery is usually looked after by the company you lease it from. When you compare quotes, some insurers may ask if you lease your battery. This helps you find the right coverage. Make sure you read your policy well to find out how battery claims are handled.

Does EV insurance cover charging cables and public charging damage?

Many EV insurance plans cover charging cables and home chargers. They also help if there is damage to your vehicle while it is plugged in. This protection can be for accidental damage or fire, and it may also cover stolen cables. Some plans help if someone trips over your cable when you charge at home. A few insurers pay for accidental damage at public charging stations. This can include faults, vandalism, or someone driving off without paying. Each policy can be different, so it is good to compare EV policies that take care of all your charging gear.

Are electric cars safer to insure than petrol or diesel?

Electric cars come with many safety features. Some have strong crash-test results. There is less risk of the car flipping over. Because of this, driving an electric car can feel safer. But paying less for insurance does not happen all the time. The cost to fix an electric car can be higher. You may need special parts, and that adds to the price. So, this can make up for the safety that the cars give.

Insurance premiums for an electric car change for different people. The cost depends on your driving history, where the car stays, and which model you get. It is smart to look at prices from a few insurance companies. This way, you find out which one thinks your electric car is not as risky.

Can an EV be repaired anywhere or only at specialist garages?

Electric vehicles often need to get fixed by people who have special training. These experts know the right way to handle the high-voltage battery systems in electric cars. Not every garage can do this work. That's why many insurance companies use certain approved repair centres.

These repair shops have the right tools and checks to work on electric vehicles safely. If you choose a garage that is not approved, repairs could take more time or cost more money. So, it's good to find out which repair centres your insurer allows before you buy a policy.

Does EV insurance include cover for software issues or updates?

EVs run on software for things like charging, getting directions, and using the battery. Most car insurance policies do not include normal software updates or problems from recalls by the maker. But if the software in your EV is damaged because of something that your policy covers, like a crash or an electrical problem, then comprehensive cover may help. It is good to read all the details in your policy, especially when your EV gets updates over the air often.

Do EVs need MOTs and how does that affect insurance?

Electric vehicles have to get an MOT after three years. This is the same rule as petrol and diesel cars. The MOT for an EV is a bit different. There is no emissions test for electric cars. But, every other safety check still takes place. That includes the brakes, tyres, steering, and how strong the body of the car is. You must have a valid MOT for your insurance to work. If you drive without an MOT, your insurance may not cover you. When you keep your EV in good shape and ready for its MOT, you can lower your chance of needing to make a claim.

Is telematics worth it for EV drivers?

Telematics, known as black box insurance, can be a good choice for EV drivers. Many people who drive electric cars use them with care. If you have an EV and do not drive far each year, you could get a lower price for your insurance. Electric vehicles give power very fast, so companies want to check how you drive. They watch how you speed up, slow down, and your overall driving style by using telematics. When you drive safely and most trips are close to home, black box insurance may help lower what you pay. A few places also give apps for EV telematics. So there is no need to put a device in your car.

Can I get temporary EV insurance?

Yes, you can get short-term ev insurance when you need car insurance for only a few hours, days, or weeks. This type of car insurance is good if you want to use an electric car for a short time, like when you borrow one or take a test drive. You may also want this cover if you do not use your electric car all the time but only every now and then.

These car insurance policies offer the same basic cover that yearly ones do. Many of them have extras for electric car owners to help protect the battery and equipment for charging. Getting this type of ev insurance is quick and easy. It gives you instant cover that is legal and does not change anything about your main yearly insurance.

Do EVs cost more to insure in winter?

Cold weather can make your battery work less well. It can slow down charging and change how you drive. Because of this, EV drivers can have more breakdowns or battery problems in the winter. You might also see more claims at this time of year. Most insurance companies do not raise prices just because it is winter. But things like icy roads and having a lower battery range can make things harder for EV drivers.

Getting ev insurance with breakdown cover can help you. This can be a good choice if you go on long trips while it is cold outside. A plan like this gives you more protection during the winter months.

FAQ's About EV Insurance

EV insurance can be more expensive because the repair and battery replacement costs for electric cars are high. Now, there are many insurance companies that give better prices just for people with electric cars. If you compare several plans, you may get a cheaper EV insurance.

Most full EV policies give help for fixing your battery. These plans also cover fire damage and accidental damage. If you do not own your battery and you lease it, your lease agreement may have extra protection for you.

Some policies give you cover for the charge point and the cable. Others let you add this as an extra. If you have comprehensive insurance, damage that happens while you charge your car is often part of the cover.

EV-specific breakdown cover is there for you when your battery runs out. The team will take you to the nearest charging point. They will also bring expert help with a flatbed truck to move your car.

Yes, there be some insurers that give low-mileage discounts for ev drivers. You can get this offer, and it is easy. The discount is for people who mostly charge their car at home.

Yes, your NCB is the same for electric cars, hybrid cars, petrol cars, and diesel cars.

If you drive a hybrid car and not just an electric vehicle, you should look into Hybrid Vehicle Insurance. You can also see our car insurance plans that are for both electric and hybrid cars.

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