Compare electric car insurance quotes
Compare quotes in minutes and you could save up to £518*
- Compare quotes from over 120+ UK providers
- You could save up to £518 on car insurance [1]
- Enjoy a year of savings from over 300 brands with MoneySpider Premium Rewards when you purchase a policy [2]
Why compare car insurance
Compare car insurance quotes online and you could start saving today.
You can compare electric car insurance from the UK's biggest brands
Register with MoneySpider and join our exclusive rewards club that can save you up to £1,800 a year from over 300 high street brands, including major supermarkets!
Why choose specialist electric car insurance?
Electric vehicles often come with higher upfront costs, and their technology requires specialist care. Standard policies may not always provide the right level of protection, which is why many insurers now offer policies designed specifically for EV drivers.
These policies can include cover for:
Battery replacement or repair
Charging cables and equipment
Breakdown assistance tailored for EVs
Access to approved electric vehicle repair centres
With tailored cover, you can drive with peace of mind knowing your car is fully protected.
What to consider before choosing electric car insurance
Before you choose a policy, think about how you’ll use your EV. If you rely on home charging, check whether your charging station is included in the cover. If you often drive long distances, breakdown cover with roadside charging support could be essential.
You should also compare policies to ensure battery protection is included — as it’s one of the most expensive components of the vehicle.
Types of electric car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
Comprehensive insurance covers you if you damage your car, somebody else’s car or if you injure somebody in an accident, regardless of who’s at fault. It also covers your vehicle if it’s damaged by fire or stolen.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect electric car insurance
Car value
EVs are often more expensive to buy, which can raise insurance costs.
Battery type
Whether the battery is leased or owned can influence cover.
Repair costs
Specialist parts and expertise may make claims more expensive.
Driver profile
Age, experience, and driving history still play a key role.
Usage
Higher annual mileage or long commutes may affect premiums.
Location
Where you park and drive your EV influences risk.
Drive the future with confidence — compare electric car insurance today
Switching to an electric vehicle (EV) is a smart move for your wallet and the planet. But just like any car, you’ll need the right insurance in place. Electric car insurance provides tailored protection for the unique needs of EVs, from battery cover to specialist repairs.
At MoneySpider, we make it quick and easy to compare quotes from trusted providers, so you can enjoy greener driving without overspending on your insurance.
Advice for getting the best deal
While EV insurance can sometimes be more expensive than traditional cars, there are ways to reduce costs. Comparing quotes is the easiest way to find a competitive deal.
You could also look at additional discounts, such as multi-car policies, low annual mileage, or telematics (black box) insurance options designed for EVs. Keeping your car parked securely and opting for a higher voluntary excess can also help bring down premiums.
FAQ
Need more help?
Is electric car insurance more expensive than regular insurance?
Does insurance cover the battery?
Can I insure a leased battery?
Do I need specialist breakdown cover for an EV?
Are electric cars cheaper to insure in the future?
Helpful guides & articles
Car insurance discounts: how to save money on your premiums
Car insurance is a necessity for drivers in the United Kingdom, but it can also be a significant expense. Fortunately,
How you could save money on your car insurance
Car insurance is a legal requirement for drivers in the UK, but it doesn’t have to break the bank. With
Types of car insurance coverage: what do you really need in the UK
Car insurance is a legal requirement in the United Kingdom, and it’s essential for protecting yourself and others on the
