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Electric car insurance

Electric car insurance with a bit more spark

Introducing comprehensive car insurance for fully electric vehicles

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Get an electric car quote

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

Here's what's included as standard:

  
  • Recovery to the nearest charge point if you run out of charge in the UK. Don’t worry, 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
  • Plus, you'll enjoy a 5-year repair guarantee when you use our recommended repair service 

And if you choose our optional hire car cover:

  • We’ll provide the use of an electric or hybrid hire car 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, here's what you'll like about our comprehensive cover:

    I was very confused by what other Insurers were offering within an Electric Car Policy but LV were clear and unambiguous
    • 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 the same level of cover as you have in the UK in the EU for up to 180 days a year
    • 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... 
    I was very confused by what other Insurers were offering within an Electric Car Policy but LV were clear and unambiguous
    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.

    See how our electric car insurance stacks up

    Feature LV= Direct Line Admiral
    (Single car)    		 Hastings Direct Aviva
    (Standard cover)
    Recovery to the nearest charge point if you run out of charge in the UK
    		  yes  No  No  No  No
    Replacement keys if lost or stolen
    		 yes   No  yes  yes  yes
     Provide more than £150 personal belongings cover  yes  yes  No  yes  No
    £500 cover for onward journey/hotel expenses 
    		  yes  No  No  No No
    £250 or more in medical expenses
    		  yes  No  No  yes  No

    Feature LV= Direct Line Admiral
    (Single car)    		 Hastings Direct Aviva
    (Standard cover)
    Recovery to the nearest charge point if you run out of charge in the UK
    		  yes  No  No  No  No
    Replacement keys if lost or stolen
    		 yes   No  yes  yes  yes
     Provide more than £150 personal belongings cover  yes  yes  No  yes  No
    £500 cover for onward journey/hotel expenses 
    		  yes  No  No  No No
    £250 or more in medical expenses
    		  yes  No  No  yes  No

    Based on comprehensive car insurance (August 2019) for new customers only, excluding optional extras, multi-car products, Direct Line Plus, and any higher levels of cover above the standard.

    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 by as early 2020
    • Pure diesel and petrol cars will be banned in the UK from 2040, but there is building pressure to bring the date forward to 2032
    Electric Car Insurance Optional Extras

    Check out our range of electric car optional extras

    Explore all the buzz about electric cars right here 

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    Our awards AND RECOGNITION

    Our electric car insurance is in pole position

    • Proud to be the UK's most recommended insurer
    FREQUENTLY ASKED QUESTIONS

    Got a question about our car insurance?

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    Policy documents

    Download the full lowdown on our cover

    You can get these and other documents from us in Braille, large print or audio by dropping us a line.

    Now, sit back and start your electric car quote

    Get an electric car quote Your saved car quote