Electric car insurance

Electric car insurance with a bit more spark

Introducing comprehensive car insurance for fully electric vehicles 

Get an electric car quoteYour saved quote

Why Choose LV=?

Our electric car insurance cover is designed for the next generation of vehicles

Here's what's included as standard:

  • Recovery to the nearest chargepoint if you run out of charge in the UK. We also have a fleet of vehicles we use in partnership with AFF the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again. This won’t affect your NCD and there’s no excess to pay
  • Cover for charging cables, wall boxes and adaptors for accidental damage, fire and theft
  • Battery cover for accidental damage, fire and theft – even if you’re leasing it separately from the car
  • Over the air monthly updates (OTA) are covered as standard when you insure your electric vehicle with us, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, we'll need to know. You'll only need to tell us once and not everytime you upgrade.
  • Plus, you'll enjoy lifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)


And if you choose our optional hire car cover:

  • We’ll provide the use of an electric or hybrid hire car (if available) if your green machine is off the road

What else is covered?

You'll get the same brilliant features you expect from our regular car insurance, too

From European cover to lost keys and much more besides, we've got it covered:

  • Accidental damage cover
    Scratched or dented your electric car? We pay for repairs so it's as good as it was before the accident 
  • Uninsured driver promise
    If the other driver is not insured and the accident’s not your fault, you keep your no claim discount and there's no excess to pay – as long as you have the details of the other vehicle and driver
  • European cover
    Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! Find out more about driving in the EU
  • Vandalism promise
    If your electric car is vandalised and you have to claim, you'll keep your no claim discount – you'll just need to pay your excess
  • Replacement child car seats
    We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage
  • New locks and keys 
    If your keys are lost or stolen. After all, accidents happen.
  • Motor legal expenses cover
    You might need legal help to take action against a road user, or to defend against a motoring prosecution. This can be expensive so it's reassuring to have £100,000 cover.

WHAT MAKES OUR ELECTRIC CAR INSURANCE COVER DIFFERENT?

We created it for pure electric vehicles only...

(We are green at heart, after all)

Electric cars are here to stay. Yes, with manufacturers making more affordable models and UK infrastructure getting better with each passing year, many people are choosing to make the switch to plug-in power.

That's good news for the environment, and good news for future generations.

With green machines becoming ever more popular, we've created car insurance cover designed for pure electric vehicles.

So whether you’ve toyed around with getting a Tesla, or already loving life in your Nissan Leaf, you can rest assured knowing our cover will keep your (electric) motor running.

Some of the cars we love to cover:

  • Smart EQ – Fortwo / Forfour
  • Renault Zoe 
  • Nissan Leaf
  • Skoda Enyaq
  • Hyundai IONIQ 5 / KONA
  • Kia Soul / eNiro
  • VW ID3 / ID4

    See how our electric car insurance stacks up

    Feature LV= Electric Car Cover AA  Direct Line Admiral
    		 Esure Aviva
    Recovery to the nearest charge point if you run out of charge as standard, at no additional cost
    		  yes No
    		  No  yes  No yes
    Charging cable cover
    		 yes   yes  yes  yes  yes  yes
    Battery cover - even if it's leased  yes  yes  yes  yes yes  yes
    EV Hire Car*
    		  yes  No  No  yes  yes  No

    Based on comprehensive car insurance (2nd March 2026) excluding optional breakdown cover, multi-car products, Direct Line Plus, and any higher levels of cover above the standard..

    *Included with Optional Hire Car Cover, subject to availability 

    Did you know...

    • Far from being an invention of modern times, fully electric cars first appeared at the beginning of the 20th century – with models such as the Studebaker Electric and the Detroit Electric leading the way
    • A number of major car manufacturers have stated they will only be producing fully electric cars or hybrids
    • There is a ban on sales of new petrol and diesel cars from 2030

    Electric Car Insurance Optional Extras

    Policy documents

    Download the full lowdown on our cover

    You can get these and other documents from us in braille, large print or audio format by sending us an email at [email protected] .
    Visit our accessibility page for more options.

    Now, sit back and start your electric car quote

    Get an electric car quoteYour saved car quote