What is electric car insurance?

Electric car insurance is just like regular car insurance – but with a few useful extras designed for EV drivers. It offers the same protection against accidents, theft and damage, but also covers unique things that come with owning a partial hybrid, plug-in or fully electric vehicle.

What’s covered will depend on the level of cover you choose, from third party only to fully comprehensive. An electric car policy can include some handy benefits that petrol and diesel drivers don’t need, such as recovery if your battery runs out mid-journey, and cover for essentials like your home charging cable or wall box.

Electric car insurance can also protect the battery – one of your car’s most expensive parts – against accidental damage or theft. It gives you the same peace of mind you’d expect from any good car insurance policy, but fine-tuned for life behind the wheel of an electric vehicle.

Page updated on 13th November 2025, Reviewed by Richard Groom