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. It’s no wonder our customers have voted us the Moneyfacts Car Insurance Provider of the Year for four years in a row. On top of that, our RAC Car Insurance Plus boasts a 5 Star Rating from Defaqto.
5 Star car insurance
Car Insurance Plus has Defaqto’s highest 5 Star Rating
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.
Third Party, Fire and Theft Insurance
Standard RAC Car Insurance – Comprehensive
RAC Car Insurance Plus – Comprehensive
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
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.
Rated ‘Excellent’ on Trustpilot
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 £20.992. 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.
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.
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.
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 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.
You can choose to add RAC Breakdown cover to your electric car insurance policy from as little as £20.99 per year2. 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.
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