Electric car insurance

No, MORE THAN cover a whole range of electric cars which means you won't need to take out specialist cover.

You’ll need everything from a standard motor insurance policy plus a few specialist electric items like cover for the charging cables, battery and any liability for someone tripping over the cables.

Yes, we'll cover your electric car battery for fire, theft and accidental damage if you own it or are leasing.

Batteries are currently an expensive item, so the cost of repairing or replacing it after an incident will be considered if you make a claim.

If your car's a total loss and you're leasing the battery, we'll settle that part of the claim with the battery owners directly.

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.

Like a smartphone, electric cars have software integrated into the car.

OTA’s ensure that your electric car's software stays up-to-date. It may also improve the operation, safety or performance of your car.

If you or a previous owner paid for OTA’s to improve your electric car's performance, speed or acceleration, you'll need to tell us when buying a policy.

For your safety and security, you'll need 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 and we'll do our best to help you.

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.

Yes, we'll cover your electric car charging cable as standard.

If your electric car runs out of charge, it'll switch into failsafe mode to give you enough time to pull over. You'll then need to call for roadside assistance.

Our RAC breakdown cover provides emergency assistance to boost your electric battery if you run out on your journey, so help will be at hand.

This depends on your location but, according to Pod Point, fully charging a 60kWh electric car at home will cost around £17 and should give you about 200 miles of range.

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.

Depending on the size and cost of your car, the range usually varies from 80 miles to 300 miles plus.

You shouldn't let your battery power fall too low, as the range can be affected by your driving style or even cold weather.

Yes, to charge your electric car at home, you’ll need:

• Access to off-street parking, like a driveway or garage
• An electric car charger
• The right cables to connect your vehicle to the charger

You should also remember to:

• Follow the manufacturer’s instructions
• Park your vehicle in your driveway or garage close to the charger
• Unplug the vehicle once the battery's got enough charge

You can plug your electric car into a regular socket at home, but it'll take longer to fully charge - possibly up to 24 hours.

If you don’t have access to a driveway or off-road parking, your local council should be able to advise you on any available or planned charging points located near you.

If you're held responsible for someone tripping over your electric car cables, we'll provide liability cover for any accidents or injury.

The UK Government offers a number of grants to help buy an electric car, if the right criteria is met.

Fully electric cars only use the electric energy stored in its battery, while hybrid cars use both electricity and a petrol or diesel engine.

There are a number cars using electric power:

• HEV - A hybrid car uses both a petrol engine and an electric motor to power the car
• PHEV - A plug-in hybrid
• BEV - A battery electric car which is powered fully by electricity