Electric car insurance
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Switching to an electric car?
Electric cars are generally cheaper to run than fuel-based models and better for the environment.
Also, by 2030, the UK Government will no longer permit any new pure diesel or petrol car sales. Several UK cities are introducing low emission areas which encourage the use of electric cars, so many motorists will be thinking about what type of car to buy next.
If you've got an electric car, we should be able to help.
Why choose MORE THAN electric car insurance
We include these items as standard.
Charging cables cover
We'll cover your charging cables and home charging points for accidental damage, fire and theft.
We'll cover your battery, even if you're leasing it separately from your car.
Over-the-air (OTA) updates
For your safety and security, you're required to install all manufacturer-recommended OTA's. If you accept any OTA’s that impact the performance, speed or acceleration of the car, please contact us.
Please note that we don't cover any loss or damage (except for fire) caused by failure to install or accept OTA software updates recommended by your electric car's manufacturer.
If you're held responsible for someone tripping over your electric car cables, we'll provide liability cover for any accidents or injury.
Car insurance to suit your needs
Comprehensive car insurance
We no longer offer third party, fire and theft car insurance.
Our three levels of comprehensive car insurance (or “fully comp”) is the highest level of insurance you can get that covers accidents, theft, vandalism and fire. You can also enhance your policy from a range of add-ons.
What types of electric cars do we cover?
We cover most electric cars, with a range of features included as part of our standard cover. However, we might not immediately cover any new electric car models that come to market.
Top electric cars we cover:
- Mercedes-Benz EQA
- BMW I3
- Nissan Leaf
- Cupra Born
- Jaguar I-Pace
- Kia Niro
- Renault Zoe
- Volswagen ID and E-Golf
- Smart EQ and Fortwo
- Kia EV6
- Hyundai Ioniq
Things to consider when buying electric car cover
There are different types of charging cables depending on the electric car manufacturer, so you should refer to instructions supplied by them.
You should be able to plug your cable straight into a standard three-pin socket, but these charging points can take up to 24 hours.
You'll want to avoid leaving cables across the pavement, which means off-road parking or wall chargers could come in handy.
Leased batteries are covered.
If your electric car's a total loss, we'll work with the owner of the leased battery and help settle any claim for the battery directly with them.
Try to think about the type of journeys you make, as this could impact your insurance cost.
In 2021, the average daily UK commute was 27 minutes, so most electric cars should be able to handle this on a single charge - but you should check with your manufacturer or refer to your electric car’s handbook.
It may also be a good idea to check available charging points when planning a long journey.