Electric car insurance

We're Which? Recommended for car insurance 2024

Choose electric car insurance with a bit more spark

Get an electric car quoteYour saved quote

Why choose LV= electric car insurance?

Our electric car insurance cover is designed especially for EV lovers

Here's what's included as standard with our electric car insurance:

  • Recovery to the nearest charge point if you run out of charge in the UK
    We’ve partnered with AFF to help you get recharged and back on the road again. Good news, there’s no excess to pay and it won’t affect your NCD.
  • Your charging cables, wall boxes and adaptors are all covered...
    for accidental damage, fire and theft.
  • Cover for your electric car battery...
    for accidental damage, fire and theft – even if you’re leasing it separately to the car.

  • Over the air (OTA) monthly updates 
    If you or the previous electric car owner paid for additional performance upgrades affecting speed or acceleration, just tell us when you take out the policy – we’ll only need to know once.
  • Electric charger liability cover
    We’ll provide cover if you’re found to be responsible for causing an accident with your electric charging cable when it's attached to your car and in use, as long as you've taken care to prevent an accident.
  • Lifetime guarantee on repairs for as long as you own the car...
    when using our recommended repairer service (labour only, excludes parts).

And if you choose our optional hire car cover:

  • We’ll provide an electric or hybrid hire car...
    while yours is off the road.

What else is covered with LV= electric car insurance?

Get all the great features you expect from our regular car insurance, too


From driving in Europe to replacing lost keys, there's lots to love about our comprehensive cover:

  • Accidental damage cover
    Scratched or dented your electric car? We pay for repairs so it's like it never happened.
  • Uninsured driver promise
    If the other driver's not insured and the accident’s not your fault, you keep your no claim discount and there's no excess to pay – you just need 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's 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... 

Take a look at our LV= car insurance customer reviews

Thanks to all our customers who have rated us ‘Excellent’ on Trustpilot!


Our electric car insurance is in pole position

Our awards and recognition

  • Given the prestigious Defaqto 5 Star Rating
  • Which? Recommended Provider for car insurance
  • LV= car insurance rated 4.7 out of 5  based on 5,027 customer reviews independently verified by Feefo
    Correct as of 17 May 2024


See how our electric car insurance compares

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
Battery cover - even if it's leased  yes  yes  yes  yes yes
EV Hire Car* (if HC chosen)
 yes No  No  No yes

Electric car insurance cover FAQs

Electric car cost FAQs

Covering the next generation of electric cars

A lot's happened since we launched the market’s first insurance especially for electric vehicles...

We're excited to see more and more makes and models of electric car become available each year. After all, we're green at heart.

That's good news if you're looking for your next EV or still thinking about making the switch, as there are now a number of cheaper, more affordable options, like leasing an electric vehicle or buying a second hand green machine.

With greater choice in terms of price and a variety of sizes available, from town cars to SUVs, it's more good news whether you're interested in a big, small, or more practical electric model.

So if you fancy a Fiat 500e or you're already loving life in your Nissan Leaf – one thing's for sure, electric cars are here to stay.

And, as a market-leader in electric car insurance, you can rest assured we’ll be leading the way to cover the next generation of vehicles.

So, which electric cars do we love to insure?

Electric cars... good to know

300k public chargers

The government is expanding the UK charging network – with around 300,000 public chargers expected to be available by 2030.

That's almost five times the number of fuel pumps on our roads today!

Regenerative braking

Electric cars recycle energy back into the battery when you brake. Ease off the accelerator and the car will slow quicker than a petrol or diesel.

It’s called regenerative braking  a clever little money-saver, giving you a few extra miles and less wear on your brake pads.

More about LV= car insurance

Take a look at all of our car insurance products...

Car insurance

Looking for award-winning cover? We're the Which? Recommended Provider for car insurance for 2023 and have been awarded the prestigious 5 star Defaqto rating for the 19th year in a row. Get a quote and join over 1 million other people like you we're already taking care of.

Multi car insurance

Got a few cars on the drive? No problem, you can cover up to 6 cars and 12 drivers on one policy. One policy doesn’t mean one size fits all though, you can tailor the cover levels, extras and start dates for each of your cars. This is the cheapest way to cover multiple cars with us.

Now, sit back and start your electric car quote