Welcome to the future of driving electric, efficient, and evolving. As we make the shift from petrol-powered to plug-in vehicles, it’s natural to wonder: what happens to our insurance? If you’re behind the wheel of an electric or hybrid car, or just thinking about joining the electric revolution, you’ve landed in the right place.
Why Electric Car Insurance Matters More Than Ever
Driving an electric car is a big leap toward sustainability, but it's also a significant financial investment. That means getting the right insurance isn't just important—it's essential.
Here’s why:
EVs come with unique parts like lithium-ion batteries and charging ports
Repair costs can be higher due to advanced technology
Charging equipment and cables are expensive and vulnerable to theft
One Size Fits All? Not Anymore
Electric vs. Standard Car Insurance
You might think EVs require completely different insurance, but that’s a common myth. Companies like Aviva now provide standard car insurance that fully supports electric and hybrid vehicles.
That means:
Charging cables? Covered.
Wallbox chargers? Covered.
Electrical surge damage while charging? Also covered.
Your electric vehicle is protected with the same comprehensive care you’d expect for any other car—plus a few EV-specific bonuses.
What Aviva Electric Car Insurance Covers
Aviva’s insurance policy is packed with features designed to make owning an EV worry-free.
The Essentials
Let’s break down what’s included:
Accident cover: For damage to your vehicle and others’
Theft protection: Including cables and accessories
Out-of-charge rescue: Courtesy of RAC—get recharged or transported
Uninsured driver protection: You’re not penalised if the other party isn’t insured
Vehicle recovery: After fire or accident
Courtesy car: While yours is in repair (comprehensive only)
H4: Optional Add-ons
You can supercharge your policy with extras like:
Motor legal protection (up to £100,000)
Breakdown cover
European use
No-claims discount protection
What Sets Aviva Apart?
Reputation You Can Rely On
100+ years of experience
Over 2 million vehicles insured
53,000 vehicles repaired in 2023
Ratings That Speak Volumes
5 Stars from Defaqto
4.5/5 based on 1,653 reviews
It’s not just marketing fluff. Industry experts and real customers alike trust Aviva for car insurance.
Cost Factors: What Influences Your Premium?
Insurance for electric cars isn’t always more expensive—but it can be. Here’s why:
Factors That Affect Price
Vehicle model and battery size
Repair costs
Value of charging accessories
Location and parking
Driving history
Money-Saving Tips
Want to keep premiums low?
Use secure parking
Install a tracking device
Drive safely to earn a no-claims bonus
Insure multiple cars with Aviva’s Multi-Car Discount (10% off for each extra vehicle)
Your EV Just Ran Out of Juice—Now What?
No one likes being stranded. With Aviva, you’re never left alone.
An RAC mechanic will either recharge your battery on the spot...
...or tow you, your vehicle, and up to 7 passengers home or to the nearest working charging point.
Whichever is closer. Stress-free.
Accessories? Covered and Protected
Charging cables, wallboxes, and other vital EV gear can be pricey. With Aviva:
Accessories are covered in and out of your car
Wallbox chargers in your garage? Covered under home insurance
EVs and Road Tax: The Latest
As of now, fully electric cars are exempt from road tax in the UK. However, that could change as EV adoption increases. Stay informed to avoid surprise costs.
Leasing Your Battery? Here’s What It Means
Some older EVs (like the Nissan Leaf) may come with leased batteries. This means:
Battery is owned by a third party
Check that your insurance covers leased components
Aviva’s standard policy typically includes this—just confirm when getting your quote.
Are Electric Cars Manual or Automatic?
Almost all electric cars are automatic. They don’t have gears like petrol/diesel engines. It’s like driving a go-kart—simple, quiet, smooth.
Great for new drivers or anyone tired of clutch control.
What If You’re Hit by an Uninsured Driver?
Accidents happen. If someone hits you and isn’t insured, Aviva will:
Cover your costs
Refund your excess (as long as you give details of the driver and vehicle)
No need to chase someone down just to recover your losses.
Drive Other People’s Cars? Know the Rules
If you're 25 or over and hold a comprehensive Aviva policy, you’re covered for third-party damage while driving someone else’s vehicle—with their permission.
Note: This won’t cover damage to the borrowed car itself.
Planning a Trip to Europe?
Electric cars make great travel companions, and Aviva ensures you’re covered across the continent.
European Add-ons
European use: Validates your cover abroad
European breakdown: Language barriers won’t leave you stranded
Perfect for road trips to France, Spain, or anywhere your battery can take you.
Is an Electric Car Right for You?
Still unsure if an EV fits your lifestyle?
Consider These
How far do you drive daily? EVs have limited range
Where will you charge? At home or public stations
What’s your budget? EVs can be pricier upfront, but cheaper to run
It’s a commitment, but a rewarding one. Especially with the right protection.
Get a Quote in Minutes
You don’t need to be a tech wizard. Just plug in your car reg and let Aviva pull the details. You’ll have a tailored quote in less time than it takes to boil a kettle.
Summary
Insuring your electric car isn’t just about ticking a legal box—it’s about peace of mind for every journey. Aviva’s electric car insurance covers everything from run-of-the-mill fender benders to charging cable theft, and it does so with the kind of clarity, support, and trustworthiness you’d expect from a century-old brand.
So whether you’re cruising the countryside or navigating city traffic, you can drive confidently knowing Aviva’s got your back.
FAQs
1. Is electric car insurance more expensive?
Not always. Costs depend on many factors like the car model, battery, and your driving history. Sometimes EVs are cheaper to insure.
2. Does Aviva cover charging equipment?
Yes! Charging cables, wallboxes, and related accessories are covered under standard and home insurance policies.
3. What happens if my EV runs out of charge?
An RAC mechanic will either recharge you or tow you to the nearest point—or your home—whichever is closer.
4. Can I get a courtesy car if mine is in the shop?
Yes, if you’ve opted for comprehensive cover, you’ll get a courtesy car while yours is repaired.
5. Does Aviva insure electric scooters or bikes?
Not directly, but their partner Cycleplan offers dedicated cover for e-bikes and scooters.
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