What is electric car insurance?
Electric car insurance is car insurance for vehicles powered by electricity. It offers the same core cover as car insurance, such as protection against things like accidents, theft, and damage.
As an electric vehicle owner, you can benefit from EV-specific elements, like accidental damage, fire and theft of your battery.
Additional EV-specific cover, like recovery if you run out of charge, may be available as optional extras.
Battery cover as standard
Protection for your battery against accidental damage, fire and theft is included
What's included with RAC electric car insurance?
What’s included with RAC Car Insurance depends on the level of cover you choose. Our Premier and Plus policies protect 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’re also covered for child seats, transfer home after an accident, and increased levels of personal accident and accessories benefits.
Our Online Premier product is an online self-serve only policy that also includes breakdown and motor legal protection as standard.
Premier – 5 Star Defaqto rated (online only)
Plus – 5 Star Defaqto rated
Comprehensive
Third Party, Fire and Theft
Battery cover – for accidental damage, fire and theft, even if you’re leasing the battery.
RAC Breakdown Cover – roadside and recovery assistance in the event you break down.
RAC Motor Legal Protection – up to £100K of cover to help you find a solicitor or recover compensation in the event of a non-fault accident.
Comprehensive – covers you, and your vehicle, and your liabilities to other people.
Third party coverage – we pay for damage to other vehicles, property, and legal costs if you are at fault.
Fire and theft – we pay for repairs if your car suffers fire damage or is stolen.
Uninsured driver promise – we cover you if an uninsured driver hits you, keeping your no-claims bonus safe.
Vandalism promise – we pay for repairs if someone damages your car.
Courtesy car as standard (subject to availability and eligibility) – if you qualify, you get a replacement car while yours is fixed.
Personal accident benefit – if you suffer serious injuries in an accident, we give you financial help.
Medical expenses – we pay for your medical treatment if you are hurt in a crash.
Personal belongings – we protect your items in the car from loss or damage.
Transfer home or hotel stay after an accident1 – if an accident leaves you stranded, we help you get home or book a hotel.
Child seat cover – we replace your child seat if it is damaged, even when you cannot see the damage.
Window glass cover – if your car’s glass is broken, we help fix or replace it.
Emergency treatment – we pay for urgent medical care if you are injured in an accident.
Replacement locks – if your keys are lost, stolen or broken, we cover the cost of new locks.
Cover for accessories – we protect extra car features, like roof racks, from damage.
Sound and sat nav equipment – we cover damage or theft of your car’s audio and navigation systems.
Out of charge recovery – with EV Boost, subject to availability, a mobile charger gives your EV up to a 10 mile boost at the roadside. This avoids towing and gets you moving quickly.
Choose the policy that best suits your needs
If you choose to manage your policy online, you can benefit from our lowest prices with RAC Online Car Insurance.^
But, if you prefer the flexibility of speaking with our call centre, standard RAC Car Insurance may suit you better.
With both of our cover options, you can access your policy online, 24/7.
Add optional 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 £5. All our patrols are trained to rescue electric cars. So no matter which of our cover levels you choose, help is at hand 24/7.
RAC Online Premier policy includes RAC Roadside and Recovery cover and RAC Motor Legal Protection cover as standard.
Expert mechanics
RAC patrols are trained to know your electric car inside out. So you’ll be in safe hands with our experts.
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.
Rapid recovery
Need a tow? Electric vehicles usually must wait for a recovery truck. But our high-tech vans can lift all four wheels off the ground. This saves you time and protects your vehicle.
Enhance your electric car insurance cover with our range of optional extras. Choose from RAC Breakdown Cover, RAC Motor Legal Protection, Keycare and Guaranteed Replacement Car to tailor your policy to fit your needs.
Try our new Online Premier cover
Our new RAC Online Premier policy includes RAC Roadside and Recovery Cover and RAC Motor Legal Protection cover as standard.
Rated ‘Excellent’ on Trustpilot
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.
More FAQs – Can’t find an answer to your question below?
Visit our FAQs page where we have more information about our products, how to make a change to your policy, the no claims discount (NCD) process, what to do if you have a payment issue and more.
Frequently Asked Questions
Electric and hybrid car insurance from RAC starts from just £328. One in four customers pay this price or lower.
This is based on data from new RAC customers who bought electric or hybrid car insurance directly through rac.co.uk between 01/05/25 and 30/04/26. Please note that this is an annual based premium. It does not include optional extras or finance costs. Your actual price may vary subject to factors like your car, driving history, location, and level of cover.
Electric car insurance can sometimes cost more than petrol or diesel car cover. This is because electric vehicles (EVs) often cost more and use advanced technology.
EV repairs may also need specialist technicians and approved repair centres. This can increase claim costs.
But EV insurance isn't always more expensive. Costs still depend on factors like your driving history, the vehicle model, and how the car is used.
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.
You can choose to add RAC Breakdown cover to your electric car insurance policy from as little as £5 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.
RAC covers most:
- Fully electric vehicles (EVs)
- Hybrid vehicles
- Plug-in hybrids (PHEVs)
- Mild hybrids
Enter your car details when you get a quote. Then we’ll confirm if we can offer cover for your electric or hybrid car.
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.
Page reviewed by: David Buxton