Battery
With our electric car insurance, your electric vehicle battery is covered against accidental damage, fire and theft. This includes batteries leased on a separate basis from the car.

Charging Cables

With our Allianz Online Gold and Silver cover levels your electric charging cables are also covered while they're in or on your car*.

* Charging cables aren't covered with Allianz Online Bronze cover.

With Allianz Online Car Insurance cover we'll recover you to the nearest charge point if you run out of charge.*

* Recovery isn't available with Allianz Online Bronze cover.

With Allianz Online Car Insurance, you’re covered if you cause an accident involving your electric vehicle that injures someone. So, if your charging cable's in use and attached to your car and it causes an accident... we’ve got your back. But you have a duty of care to make sure you do everything you can to prevent accidents when charging your electric car.

So, it’s your responsibility to take reasonable care not to create hazards. For example, you mustn’t leave cables loose or coiled up where they might trip someone, or left trailing over a public footpath. If it can’t be avoided, minimise potential hazards by taking necessary precautions, such as warning signs and cable covers.

Some electric car makers (like Nissan and Renault) let you lease the battery separately when you buy an EV. It means the upfront cost of buying the electric car is reduced but you’ll have to pay a monthly lease.

If you own the battery, your car's market value is calculated by adding up what your car and your battery is worth together. Just let your insurer know if you're leasing the battery, so payouts go to the right place following a claim.

Is car insurance more expensive or cheaper for electric cars? The short answer is… it depends.

Whether it's a hybrid, plug-in hybrid or fully electric vehicle, where you’ll find your cheapest car insurance quote can depend on a lot of things.

Just like petrol and diesel cars, the amount you pay to insure your electric car can go up or down depending on your job, where you live, your age, and so on.

Then there’s the question of when and how far you’re likely to drive, etc. These things all affect your insurance premium, regardless of the type of car.

The car’s value is important, too, as this determines how much it could cost to fix. Generally speaking, a more expensive car costs more to insure than a cheaper car. For example, the insurance on a small city EV would generally be less than a large petrol SUV. Just as a reliable, pre-owned 3-door diesel is probably cheaper to insure than a brand-new, high-end Tesla. It’s the same principle, whether it’s a petrol, diesel or electric car.

Interested in car insurance pricing? Find out how your car insurance premium is calculated.

Would you like to know about the costs involved with owning an electric car? Read electric car costs, what you should know.

Fully electric: These cars, like the name suggests, are fully electric and powered entirely by their battery. So, they don’t use fossil fuels. With no need for gears or any kind of engine, fully electric cars are known for their clean, smooth ride and instant acceleration.

Hybrid: Hybrid is a fancy word for crossing one thing with another, in other words a mix of things or a fusion. With a hybrid electric vehicle (HEV) it means the car has both an electric battery and a petrol or diesel engine. In terms of the difference between hybrid and electric cars, the main thing is that hybrids are ‘self- charging’ meaning the engine charges the battery as it goes. So, they still rely on fuel for their electric power and you can’t plug them in.

Plug-in hybrid: While a plug-in hybrid (PHEV) still has an electric battery as well as a petrol or diesel engine, there’s one key difference that sets it apart from other hybrids. You plug it in! PHEVs can still recharge themselves when you’re driving but you also get to top up the battery overnight, for example, by plugging in. How the car’s powered depends on the model, but they typically use up their electric power then switch to the engine when the battery runs low.