Insuring an Electric Car
Updated Oct 16, 2026 · Hannah Breckett · 5 min read
Premiums can be higher due to repair costs. Check battery and cable cover.
What this article covers
EV insurance is similar to standard insurance but has extra considerations.
Premiums vary widely.
Check cover for
- Battery damage
- Charging cables
- Home charger
- Breakdown if the battery runs out
Leased batteries
Some EVs have leased batteries; check cover.
Shop around
Compare EV-specific policies.
Breakdown cover for EVs
Check whether breakdown cover includes running out of charge and whether recovery vehicles can transport EVs safely, as some cannot be towed with wheels on the ground. Some EV manufacturers include roadside assistance for the warranty period. Charging cables are often expensive and are a target for theft, so check whether they are covered as accessories or personal belongings.
Repairs on EVs may require specialist garages, which can affect how quickly claims are resolved and the availability of courtesy cars.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.