Electric Car Insurance

Compare Electric Vehicle Insurance

Electric cars are becoming increasingly popular in the UK, partly because there is now much better charging infrastructure in some parts of the country than there was even just four or five years ago, which makes an electric car a much more viable option for many motorists.

However, the fact that many electric cars are now as powerful and slick as their petrol and diesel equivalents has also helped to encourage adoption, as has the fact that the cost of insuring an electric car has fallen considerably in recent years.

Still, just because insuring an electric car is likely to be cheaper now than it was four or five years ago doesn’t mean you should take the first quote you’re offered. By shopping around to compare electric car insurance quotes from a wide range of different providers you stand a better chance of finding the right policy at the right price.

And that’s where we come in Quotezone enables motorists to compare insurance quotes from up to 110 insurance providers in a matter of minutes, making it more likely that you’ll find cheap electric car insurance quotes. 

Do I need to go with a specialist insurance provider if I’m insuring an electric car?

No, not anymore. 

In the past some mainstream auto insurance companies may have been unable to offer you a quote if you needed to insure an electric car, but as fully electric and hybrid cars have become more commonplace the vast majority of insurance providers have adjusted their underwriting terms to accommodate these vehicles. 

That increased level of competition amongst electric vehicle insurance providers is also one of the reasons the average cost of insuring an electric car has fallen in recent years. 

How to get cheaper insurance for my electric car?

Whether or not you’re offered a cheap electric car policy will depend on a wide range of factors, including your age, your occupation, how long you’ve held your licence, whether or not you have points on your licence, where you live and the crime rate in your area.

The type of car you drive is only one variable in the insurance premium calculation, and it probably goes without saying that some electric cars are cheaper to insure than others – an electric smart car would have lower premiums than a high-end Tesla, for instance.

The best approach is to compare electric auto insurance quotes from a wide range of providers, which you can do right here on Quotezone. If you haven’t bought the electric car yet but are keen to find out how much it might cost to insure get an estimated price with our simple car insurance calculator here. 

Does an electric car policy cover the battery?

Yes, if you insure an electric car and the battery is damaged during an accident this will usually be covered by your insurance policy, although it’s important to bear in mind that if you lease your battery from the manufacturer then you won’t actually receive the payout for the battery portion of the insurance claim yourself, as it would go to the manufacturer.

If you own the electric battery as well as the electric car then you should receive both portions of the insurance claim yourself.

Does electric vehicle insurance cover me if my electric car breaks down? 

That depends on whether the electric car insurance policy you opt for comes with breakdown cover as standard, or whether you have decided to include it as an add-on..

It’s also possible to take out a standalone breakdown cover, so even if you didn’t take this type of insurance out when you were insuring your electric car you can still do so now.