Specialist cover built for electric vehicles — because standard car insurance wasn't designed with EVs in mind.
Standard car insurance policies often contain gaps that leave EV owners exposed
A replacement EV battery can cost £8,000–£20,000. Standard car insurance typically excludes the battery as it's not a 'mechanical part' by traditional definitions. Specialist EV insurance covers new-for-old battery replacement following a fault or collision.
Your home wallbox and charging cables are at risk of theft, accidental damage and electrical faults. EV-specific insurance covers your charging equipment as part of your vehicle policy — something standard home and car insurance may not do.
Incidents at public charging stations — cable trips, charging equipment damage, overstay penalties — can fall into a grey area between your car policy and the charging network's liability. Specialist EV insurance clarifies and covers these situations.
Leading EV insurers now offer discounts based on your battery's state of health data and your charging behaviour. Good habits — like not regularly charging to 100% — can lower your premium over time.
Modern EVs are increasingly software-driven. Keyless relay attacks and OTA software vulnerabilities are new and growing risks. EV specialist policies include enhanced protection against electronic theft and cyber incidents.
Standard insurers provide a petrol or diesel courtesy car which is essentially useless if your charging setup is EV-specific. Specialist EV insurance guarantees a courtesy electric vehicle while yours is being repaired.
Choose the right level of protection for your electric vehicle
We compare quotes from specialist EV insurers — not just generic price comparison sites
UK's leading specialist motor insurer with dedicated EV products. Covers modified EVs, homebrew conversions and classic EV restorations as well as mainstream models.
LV='s specialist electric vehicle policy with battery protection as standard, European cover and 24-hour claims helpline. Available for most mainstream EV models.
AXA's EV-specific policy includes new-for-old battery replacement, home charger cover and telematics-based discounts for eco-conscious EV drivers.
Competitive premiums on comprehensive EV cover with optional battery enhancement and home charger add-ons. Online claims and a highly rated app.
Aviva's EV policy covers battery, motor and drive components as standard parts — an important distinction from generic policies. Includes my Aviva app benefits.
Specialist insurer for EV fleets, salary sacrifice schemes and commercial charging infrastructure. Tailored policies for businesses operating EV fleets of all sizes.
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