RAC Electric Car Insurance

Car insurance for your electric or hybrid car

Get a quote   
Retrieve a quote   

Already a customer? Log in to your account

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.

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 driver^

Battery cover as standard

Protection against accidental damage, fire and theft is included

Get a quote  

What’s included in electric car insurance?

The RAC is on a mission to make owning an electric car easy. That’s why our electric car insurance is packed with brilliant features and benefits that give you complete peace of mind. See a full list of what’s covered.

RAC Car Insurance Plus
RAC Car Insurance
Uninsured driver promise
If you're hit by an uninsured driver you won't lose your no claims discount, and any excess you paid will be reimbursed
Vandalism promise
If your car's vandalised, you won't lose your no claims bonus
Courtesy car
You can keep moving if your electric car's being fixed, subject to availability and eligibility
Personal accident benefit
Get personal accident cover for you and your partner
£10,000 £5,000
Battery cover for accidental damage, fire and theft
Even if you're leasing the battery
And if you add our optional breakdown cover:
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 £19.99. 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.

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 >


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 2030 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.  
Q. Is the compulsory excess higher on an electric vehicle?
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.  
Q. Does RAC EV insurance cover my electric car battery?

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.

Q. Can my electric car be fixed if it is damaged in a collision?
Yes. We work with a network of approved repairers, who have the tools and technology to fix electric and hybrid cars.
Q. Can RAC help if my electric car breaks down at the roadside?

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.

Q. Can I make an amend to my electric car insurance online?
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.
Q. Do I need specialist insurance for an electric car?
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.
Q. What types of electric cars do RAC cover?
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.
Q. Can I get EV car insurance for multiple vehicles?
Yes. With multi-car insurance, you can insure several cars registered to the same address. They don't all have to be electric, either.
Q. Does RAC cover over-the-air (OTA) updates?
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.
Advice and guides

Read how EV drivers will have to pay vehicle tax from 2025.


Get a fair price for your electric car charging with RAC Charge Watch.


Find the best performing and best value EVs available in 2023.


Read about the advantages of leasing and other finance options.


Find out about electric vehicle specific warning lights.


Salary sacrifice schemes offered by employers can save you money on your electric vehicle.


Find out more about the RAC's EV products and guides here


RAC Breakdown cover for electric and hybrid cars and plug-in hybrid


Browse our selection of electric car accessories in the RAC Shop


Learn more about making the switch to electric and the types of EV vehicles


Find out how it works and how much it costs to charge your electric car whilst out and about


How are EV's set to impact the environment and our lives in the UK over the coming years.

We also offer

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.


Pay-by-day car insurance from 1 hour-30 days


A new kind of car insurance for lower mileage drivers.


10% multi car discount for up to three additional cars so you can cover your whole family.


RAC Learner Driver Insurance offers flexible, short term cover whilst you gain experience behind the wheel. Buy comprehensive cover online 24/7.


Black Box Insurance saves new and young drivers money by rewarding safe driving.


Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £3.49††


Specialist insurance for your classic car with free agreed value cover at no extra cost.


Find insurance cover for your electric or hybrid car at the right price with RAC.


RAC Temporary Business Car Insurance covers you for business related travel from 1 hour to 30 days


Provides van drivers with short term cover for vehicles up to 3.5 tonnes. Cover from 1 hour to 30 days.


Motorbike insurance UK from the RAC, bringing competitive motorcycle insurance quotes online with the optional extra of motorbike breakdown cover for your quote.


03 numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles. Calls may be recorded and/or monitored.

^Uninsured Driver cover and Vandalism cover only available with RAC Car Insurance Plus policies.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance is arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Both companies are authorised and regulated by the Financial Conduct Authority.

RAC Car Insurance is arranged and administered by BISL Limited. All other products are arranged and administrated by different partners. For full information about the product you are looking for, please select from the main menu at top of this page.

Breakdown cover arranged and administered by RAC Financial Services Limited (Registered No 05171817) and provided by RAC Motoring Services (Registered No 01424399) and/or RAC Insurance Ltd (Registered No 2355834). Registered in England and Wales at RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services and RAC Financial Services Limited are authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

© 2023 RAC Motoring Services. All rights reserved.