Electric car insurance

Car insurance for your electric or hybrid car from a brand you can trust

  • 5 star Defaqto rating on RAC Car Insurance Plus
  • Our customers voted us Moneyfacts Car Insurance Provider of the Year
  • EV battery cover included as standard, even if it’s leased

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Electric car insurance

With RAC Electric Car Insurance, it’s as easy to insure your hybrid or electric car as any other vehicle. Battery cover for your EV is included as standard.

And when you choose the RAC for your electric car insurance, as standard your repairs will be guaranteed for 3 years when you use an approved garage. You can also have peace of mind with our uninsured driver and vandalism cover when you choose our Plus cover.

5 Star Rated Defaqto RAC Car Insurance Plus

5-star car insurance

Car Insurance Plus has Defaqto’s highest 5-star rating

Uninsured driver cover

You won’t lose your no claims discount if hit by an uninsured driver1

Battery cover as standard

Protection against accidental damage, fire and theft is included

What’s included in electric car insurance?

What’s included with RAC Car Insurance depends on the level of cover you choose.

Our Car Insurance Plus covers you if you’re hit by an uninsured driver, and you won’t lose your no claims bonus if your car is damaged by vandalism.

You’ll also be covered for replacement locks, personal accident benefits, cover for your accessories, and more with our highest level of cover.

See a full list of what’s covered.

Third Party, Fire and Theft Insurance

Third party incidents
If your vehicle is stolen
Damage by a fire
For accidental damage, fire and theft, even if you’re leasing the battery.
For 3 years at approved garages.
New car benefit

Standard RAC Car Insurance – Comprehensive

Third party incidents
If your vehicle is stolen
Damage by a fire
For accidental damage, fire and theft, even if you’re leasing the battery.
For 3 years at approved garages.
New car benefit
Emergency treatment
You can keep moving if your electric cars being fixed, subject to availability and eligibility.
Personal belongings protection
Window glass, accessories, and child seat cover

RAC Car Insurance Plus – Comprehensive

Third party incidents
If your vehicle is stolen
Damage by a fire
For accidental damage, fire and theft, even if you’re leasing the battery.
For 3 years at approved garages.
New car benefit
Emergency treatment
You can keep moving if your electric cars being fixed, subject to availability and eligibility.
Personal belongings protection
Window glass, accessories, and child seat cover
If your car's vandalised, you won't lose your no claims bonus.
If you're hit by an uninsured driver, you won't lose your no claims discount, and any excess you paid will be reimbursed.
Home or hotel stay after accident

And if you add optional breakdown cover:

RAC Car Insurance

RAC Car Insurance Plus

EV boost

Get a 10-mile recharge if your electric vehicle breaks down

Rapid recovery

Our high-tech vans can lift all four wheels off the ground, so you won't need to wait for a separate recovery truck

Access to expert mechanics

RAC patrols are fully trained to know your electric car inside out

Add breakdown cover for electric and hybrid cars

For complete peace of mind whilst out on the road, add RAC Breakdown Cover to your policy from as little as £20.502. All our patrols are fully trained to rescue electric cars so no matter which of our cover levels you choose, help is at hand 24/7.

Expert mechanics

RAC patrols are fully trained to know your electric car inside out. So you’ll be in safe hands with our experts.

RAC Exclusive - EV Battery Boost

EV boost

Battery run out? Only the RAC can give you a 10-mile boost with our EV Boost mobile charger fitted to our patrol vans.

Find out more >

RAC Exclusive - EV Rapid Recovery

Rapid recovery

Need a tow? Electric vehicles usually have to wait for a recovery truck. But our high-tech vans can lift all four wheels off the ground, saving you time and protecting your vehicle.

Find out more >

Switching to an electric car

With RAC Insurance, you can insure an electric car the same way as you would any other car.

With new zero emission zones and the 2035 combustion engine ban on the horizon, there’s never been a better time to switch to electric. Plus, getting around with an electric car is cheaper and easier – you’ve got access to over 43,000 public charging points across the UK, and we can help you install a charging point at home for cheaper miles.

Frequently Asked Questions

Electric car insurance can be more expensive because this type of car cost more than conventional vehicles. They’re also equipped with technology that’s costly to fix or replace. Also, if you have an accident, it’s more likely to need a specialist repairer.

No. There’s no specific additional excess added for electric cars. The compulsory excess is set by your insurer. It’s based on make, model, age and condition of your car.

Whether you own or lease the battery in your electric or hybrid car, it’s covered for accidental damage, fire and theft.  

When you take out a policy, you need to let us know if you’re leasing the battery. If your car’s written off, it’s important that the payments for the car and battery go to the right place. 

If you own the battery, the value of the car and the battery make up the market value of your car.

Yes. We work with a network of approved repairers, who have the tools and technology to fix electric and hybrid cars.

Yes, the RAC offers electric car breakdown cover.

If you choose to add RAC Breakdown Cover to your electric car insurance policy (from as little as £19.99 per year). We’ll always aim to fix faults there and then and if your battery goes flat, we can send out one of our vans with our handy mobile charger to give you a 10-mile boost, rather than towing you to the nearest charge station like other providers.

Yes, simply log in to your online account to make changes such as a change of address, change of vehicle or to add or remove a driver. No fuss, no phone call needed and open 24/7.

No, you don't. Specialist electric insurance policies are available. But RAC Car Insurance covers electric vehicles as standard. So you don't need to worry.

We cover most fully electric vehicles, hybrids, plug-in hybrids and mild hybrids. Just enter your vehicle details when you get a quote and we’ll let you know if we cover it.

Yes. With multi-car insurance, you can insure several cars registered to the same address. They don't all have to be electric, either.

In general, we don't cover OTA updates as they're a modification to your car. But some of the insurers we work with have different policies on OTAs, so make sure you check your Terms & Conditions.