Car Insurance for Electric and Hybrid Vehicles

The same high quality cover, but for your electric or hybrid vehicle.

Cover specifically tailored to your electric or hybrid vehicle.

  • We pay out on 99% of Car Insurance claims.

    Based on settled claims September 2017 - September 2023, excluding claims not pursued by the customer.

    We pay out on 99% of Car Insurance claims.

    Based on settled claims September 2017 - September 2023, excluding claims not pursued by the customer.

  • Our Car Insurance is rated 5 Star by Defaqto.

    Our Car Insurance is rated 5 Star by Defaqto.

  • We're a Which? Recommended Provider for Car Insurance.

    We're a Which? Recommended Provider for Car Insurance.

Insurance overview

As your driving habits and the type of car that you drive change, we know that the cover that you need changes too.

That's why our Comprehensive Car Insurance includes cover specifically tailored to electric and hybrid vehicles, while providing the same high quality level of cover you'd get when insuring a petrol or diesel car.

What's included:

  • Battery cover: Whether leased or owned, cover against accidental damage, fire and theft.(i)
  • Charging cables, chargers and home wall boxes, and adapters: All covered in the event of insured damage plus protection should someone trip over the cables and you are at fault.(ii)
  • Mutual Assist breakdown cover provided by the RAC.(iii)
  • RAC EV Boost: 10-mile boost at the roadside to get you to the nearest charging point.
  • Lifetime guarantee on repairs: British Standard accredited bodyshops, plus use of manufacturer repairers when required, for as long as you own the vehicle, when you use the recommended repairer scheme.(iv)
  • No Claims Discount protected if you’re hit by an uninsured driver and no excess to pay.(v)
  • New car replacement: if you purchase a UK model from new and it’s less than two years old when it’s stolen or written off. A whole year longer than many other insurers.
  • Motor Legal Protection: giving you access to legal advice and covering legal costs up to £100,000.
  • Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen.

What isn't included:

  • Breakdowns outside the UK, within ¼ mile from home or recovery distance greater than 20 miles.
  • Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
  • Loss of value over time, damage to tyres and wear and tear.
  • Replacement of keys and locks if keys are lost.
  • Personal possessions not kept in a locked vehicle, boot or glove compartment.
  • Cash, tickets, stamps and cheques.

(i)Cover of leased batteries subject to acceptance.

(ii)Vehicle chargers and cables must be of your car's manufacturer specification and/or professionally installed and maintained at your home.

(iii)Excludes motorhomes, campervans and any vehicle with a gross weight of 3500kg or over or a length greater than 5.5 metres.

(iv)This includes lifetime guarantee on paintwork and manufacturers guarantee on parts.  

(v)You must advise us of the uninsured driver’s details, make, model and registration of the vehicle and details of any independent witnesses. We will deduct excesses and reduce no claims discount until satisfied the uninsured driver is at fault.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important documents section.

Specialist breakdown cover

Our Car Insurance policies include Mutual Assist breakdown cover from the RAC as standard*. RAC's expert patrols are fully trained to know your electric or hybrid vehicle inside and out in the event of a breakdown**.

No more range anxiety with EV boost: RAC's EV boost can give you a 10‑mile boost at the roadside to get you to the nearest charging point.

Rapid recovery: If your vehicle can't be fixed at the roadside, RAC's range of high tech vans can lift all four wheels off the ground to tow you to the nearest garage**, saving you time and protecting your vehicle.

*You can upgrade to National Assist for just £19.99 and get recovery to anywhere in the UK. Or include the reassurance of cover for break downs at home with National plus Home Assist for £34.99.

**Breakdowns in the UK at least ¼ mile from home and where the total recovery distance is under 20 miles.

Why choose us?

Why choose us?

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

What's next?

Take out a new policy

Ready to buy your Car Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your Car Insurance policy.

Claims

Notify us of a new Car Insurance claim or speak to us about a claim that is in progress.