The information in this guide was accurate at the time of writing (June 2026) but is subject to change. Insurance premiums, policies, and provider offerings vary based on your personal circumstances and can change regularly – check directly with insurers for the latest quotes and terms. This article does not constitute financial or insurance advice.
With over 167 fully-electric models now on the market in the UK, and the cheapest electric cars starting at under £15,000, there’s never been a better time to consider EV ownership. Rewind back a decade, and obtaining car insurance for an EV could prove pretty difficult, with insurers then wary of unfamiliar repair costs, procedures, and vehicle performance. Now however, with EVs becoming commonplace, it’s very unlikely to find an insurer who’ll refuse to cover an electric car.
That doesn’t mean you shouldn’t still shop around, however, as many insurers are now offering EV-specific policies, that come with particular benefits to the electric motorist, such as electric-guaranteed courtesy cars, included coverage for home chargers, liability cover for charging cable-related trip hazards, and more. These are some of the best insurance companies and insurance policies in the UK for ensuring an electric car.
LV= Insurance
LV= Insurance offers a dedicated EV policy that goes beyond a standard car insurance product. One standout addition is a flat battery recovery service, a feature rarely found in conventional policies without paying extra. If you run out of charge, LV= will arrange a tow to the nearest charge point at no cost and without affecting your no claims bonus. The policy also extends cover to EV-specific equipment, including charging cables, adaptors, and home wallboxes, all protected against accidental damage, fire, and theft.
Other benefits are also offered within LV’s EV insurance. Customers who add courtesy car cover are guaranteed a fully-electric or hybrid replacement vehicle while their car is undergoing insured repairs, allowing you to drive a familiar car rather than reverting to a petrol or diesel. LV= also takes a progressive stance on over-the-air software upgrades, covering performance enhancements that push a vehicle beyond its factory specifications – such as the scheme available on Polestar models – provided they are declared at the point of taking out the policy. The policy also provides liability cover if you’re found responsible for causing an accident with your charging cable.
Check out further details here.
Admiral
Admiral is another insurer with a strong EV-specific offering. Like LV=, its policies include protection for charging cables and home wallboxes, EV battery cover, and a charge recovery service should you run out of power on the road.
Where Admiral distinguishes itself is through a partnership with Zoom EV, a dedicated EV benefits platform that policyholders can access free for 12 months. Used fully, the platform could deliver significant savings over a year. On the public charging side, benefits include a year’s free bp pulse membership offering reduced charging rates, £10 of free credit on the Octopus Electroverse network, and 25kWh of complimentary charging on the Osprey network. Beyond charging, the platform also offers discounts on home charger hardware from brands including Ohme and Indra, reduced rates on pre-booked parking, and savings on routine maintenance.
Check out further details here.
esure
esure has built an EV policy that covers the core car insurance bases while adding a few touches that set it apart. Much like the other insurers on this list, battery cover is included for both owned and leased batteries, protecting against accidental damage, fire, and theft. Charging equipment is also covered, including power cables and incidents that arise during the charging process. esure also covers third-party claims if someone trips over a cable while charging the cover.
Running out of charge a journey is also addressed through a partnership with the RAC, which can arrange a tow to the nearest charging point if you run out of power. While this event is a rarity with the impressive range of new EVs, it’s still a great insurance perk for extra piece of mind.
Check out further details here.
NFU Mutual
NFU Mutual also offers EV-specific cover. Much like the other insurers on this list, the policy covers batteries, whether leased or owned, against accidental damage, fire, and theft, and extends that protection to charging cables, home wallboxes, and adaptors. Notably, it also covers liability should someone trip over a charging cable and you are found to be at fault.
Out of charge cover also comes as standard, courtesy of the RAC. You won’t necessarily have to be towed to the nearest charge point, however – RAC’s new EV Boost service pumps a small amount of charge into your EV at the roadside, giving you enough power to drive yourself to another charger or home.
Check out further details here.
Aviva
Aviva’s EV policy covers the fundamentals you’d expect, such as out-of-charge recovery on the road, battery protection, and cover for charging cables. Where it stands out against other insurers, however, is its built-in cover for your home charger. Should your wallbox or the wiring between it and your fuse box fail, Aviva will contribute up to £2,000 towards the repair costs as standard, with no need to pay for it as an optional extra. For anyone who has invested in a home charging setup, it’s a meaningful safety net.
