Car Insurance for Electric and Hybrid Vehicles
The same high-quality cover, but for your electric or hybrid vehicle.
Our Comprehensive Car Insurance includes cover specifically tailored to electric and hybrid vehicles, while providing the same level of cover you’d expect when insuring a petrol or diesel car.
Electric and Hybrid Vehicle Insurance Overview
As the number of electric and hybrid vehicles on UK roads increases, many drivers want to understand how insurance works for these vehicles.
At NFU Mutual, our Comprehensive Car Insurance provides cover for electric and hybrid vehicles, including protection for some of the components that are unique to these vehicles.
Our Comprehensive Car Insurance includes a wide range of benefits:
- 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 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 (administered by ARAG UK): 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 recommended repairers; or up to 14 days if yours is written off or stolen.
What's not included:
- 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.
- Personal possessions not kept in a locked vehicle, boot or glove compartment.
- Cash, tickets, stamps and cheques.
- Loss or damage caused by a cyber act, including any software failure or the vehicle computer system not functioning as designed.
- Breakdowns outside the UK, within ¼ mile from home or recovery distance greater than 20 miles.
Full details of what is and isn’t covered can be found in the policy documents.
(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 6.4 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.
Breakdown Cover for Electric Vehicles
Our entry level of cover, Mutual Assist*, is included with all of our Car Insurance policies and includes roadside assistance, local recovery if over ¼ of a mile away from home, and a small hire car for 48 hours.
RAC patrols are trained to assist with electric and hybrid vehicles. If your vehicle cannot be repaired at the roadside, Mutual Assist provides recovery to the nearest garage or place of safe storage within 20 miles.
With RAC EV Boost, if your electric vehicle runs out of charge, the patrol may be able to provide enough charge to help you reach the nearest charging point.
Looking for more comprehensive cover? You can upgrade to National Assist for recovery anywhere in the UK, or National plus Home Assist** for help if you break down at home, giving you added protection and peace of mind.
* Breakdowns in the UK at least ¼ mile from home and where the total recovery distance is under 20 miles.
**You can upgrade to National Assist for just £19.99 or include the reassurance of cover for breakdowns at home with National plus Home Assist for £34.99.
Why choose us?
NFU Mutual has been providing insurance to UK drivers for many years.
Our car insurance for electric and hybrid vehicles offers the same high-quality cover you would expect, along with additional features designed to reflect how electric vehicles are used.
Our Car Insurance is rated 5 Star by Defaqto and we’re a Which? Best Buy provider for Car Insurance, January 2026, too.
What’s the difference between petrol and electric vehicle insurance?
In many ways, insurance for electric vehicles works in the same way as insurance for petrol or diesel cars. The policy covers things such as damage to your vehicle, theft and liability to other people.
The main difference is that electric vehicles have some additional components that aren’t found in traditional cars.
Electric vehicle batteries
Electric vehicles rely on a high-voltage battery to power the vehicle. Because the battery can be one of the most valuable parts of the car, it is important that it is considered as part of the overall vehicle cover.
NFU Mutual’s Comprehensive Car Insurance includes cover for the battery in the event of accidental damage, fire or theft, subject to acceptance.
Charging cables and equipment
Electric vehicles also rely on charging equipment, such as cables and home charging units.
Charging cables, chargers, home wall boxes and adapters are covered in the event of insured damage, provided the equipment meets the manufacturer’s specification or has been professionally installed. The policy also includes protection if someone trips over a charging cable and you are at fault.
