Electric or hybrid hire car cover

This use of an electric or hybrid hire car (if available) if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

For £19.90 per year, you're guaranteed a small 3 door hatchback hire car.

For £49.99 per year, you're guaranteed a medium family sized car with 5 doors or a 7 seater.

What is motor legal expenses cover?

For £25.99 per year, motor legal expenses cover protects you from the potential costs of legal action if you're involved in a car accident.

You might need legal help to take action against a road user - or defending against a motoring prosecution. This can be expensive so it's reassuring to have £100,000 cover.

You can use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while yours is being fixed.

£100,000 personal accident cover

Do you want to increase your personal accident cover?

You have £10,000 of personal accident cover with our comprehensive car insurance. This will protect you, your partner or a named driver on the policy if you or they suffer a serious injury while travelling in, or getting into or out of your car.

Increase your personal accident cover to £100,000 for just £15.00 a year.

Have you got Breakdown Cover?

Add breakdown cover to your electric car insurance from just £24 per car.

LV= Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK, to keep you moving. There are five levels of cover to choose from Roadside Assist to UK and European Assist.

Did you know you can protect your no claim discount (NCD)?

You earn a year of no claim discount (or no claim bonus) for every year you don’t claim on your car insurance. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew.

If you have to make a claim on your policy, and we can't recover our costs from the person or people who are at fault, your NCD may be reduced.

If you’ve earned four or more years NCD, add this optional extra to protect your NCD for the life of your LV= policy.
Loading

Electric car insurance

Electric car insurance with a little extra spark 

Introducing car insurance for fully electric vehicles

Get an electric car quote Your saved car 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 - you'll just need to pay your excess.
  • 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... 

Electric Car Insurance Optional Extras

Check out our range of electric car optional extras 

  • Electric or hybrid hire car
    Per year from 19.90
  • Motor legal expenses
    Per year £25.99
  • Extended personal accident cover
    Per year £15.00
  • Breakdown cover
    Per year from £24
  • Protected no claim discount

Car insurance policy documents

Our policy documents

You can get these and other documents from us in braille, large print or audio by sending us an email.

Now sit back and start your electric car quote.

Start your electric car quote Your saved car quote

Legal

© 2026 Liverpool Victoria