Switch on to electric cover

Comprehensive cover includes plug-in hybrids and electric cars as standard

Electric vehicle icon

Cover for all your charging parts, including battery and cables


Get peace of mind with Defaqto 5 Star rated car insurance

USPs uninsured driver

Keep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault

Insurance for your electric vehicle

  • The battery – whether owned or leased – is covered for accidental damage, fire and theft.
  • Charging cables, charger and adaptors belonging to you are covered for accidental damage, fire and theft while in the car, in use at a garage or at home.
  • Liability cover in case someone trips over the charging cable outside your property.

    And if you have AA breakdown membership, a patrol will take your car to the nearest charging point if the battery runs out.

Electric car insurance

    Why get electric car insurance with us?

  • Our car insurance has a 5 Star Rating from Defaqto, their highest rating, so you can be sure of a comprehensive level of features and benefits.
  • The claims line is open 24/7 at our UK contact centre, so there's always someone ready to help you.
  • If you do make a claim, you'll get a courtesy car or car hire to keep you on the road.¹
  • With our Uninsured Driver Promise, you'll keep your no claim discount and pay no excess if an uninsured driver hits your car and it's not your fault.
  • Personal belongings are protected too, with up to £250 cover for things like your handbag, mobile phone or wallet – or up to £500 if you’re a Member.

Increase your cover with optional extras

Motor legal assistance

Avoid being left out-of-pocket following a claim where the other party is clearly to blame. Get legal assistance to seek the recovery of uninsured losses from the party at fault, such as:

  • Car insurance policy excess
  • Alternative transport costs
  • Loss of earnings
  • Compensation for a personal injury

We'll provide cover where it is more likely than not your claim will be successful.

You also get:

  • 24/7 legal helpline for advice on legal matters
  • Following a car accident, 2 hours tuition with an AA driving instructor to help regain your confidence
  • A range of motoring related online legal documents, like making a formal complaint to a garage about poor quality workmanship

More information and policy documents

Excess protection

Claim back your policy excess on a claim where you're at fault, or the other party involved can't be identified. You can get your excess back on a claim for:

  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire

More information and policy documents

Motor accident plan

Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy.

By including Motor Accident Plan on your policy you can get the following extra benefits following a car accident:

  • Up to an additional £100,000 on top of any payment provided by your AA Car Insurance policy, or any other personal accident and life insurance cover (up to £60,000 for named drivers).
  • Cover for a wider range of injuries including fractures, burns and facial scarring.
  • Up to £750 cover for physiotherapy sessions for injuries, including whiplash.
  • Up to £250 cover for stress or trauma counselling.
  • £60 payment for spending between 6 and 24 hours in hospital, then for every day thereafter (£40 for named drivers). The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

See how Motor Accident Plan compares with personal injury cover

More information and policy documents

FAQs about electric vehicles

How do electric cars work?

Electric cars or vehicles – EVs – use a rechargeable battery to provide power, rather than petrol or diesel fuel. To keep your car topped up you plug it into a charging point at home or at a public charging station.

Is it cheaper to insure an electric car?

Insurers consider many factors when working out your electric car insurance premium.

Personal circumstances such as your age, occupation, driving experience, claims history and how you intend to use the vehicle are taken into account.

The type of vehicle is also a factor, including the cost and availability of spare parts for any repairs.

How much does it cost to recharge an EV?

The cost of fully charging your electric vehicle depends on its battery size.

Recharging your car at a public charging station may require payment, depending on the provider and the type of charger. Rapid charging usually costs more than fast charging.

Usually, most people will charge at home and pay their energy supplier.

What happens if my electric car runs out of power?

AA breakdown cover provides roadside assistance for electric and hybrid vehicles as standard, with no extra to pay.

If your electric car battery runs out and you have AA breakdown membership, a patrol will tow you to a charging point or your destination – whichever is nearer.

Are electric vehicles tax free?

Completely electric vehicles are exempt from vehicle tax, while plug-in hybrid vehicles (PHEVs) pay a low rate due to their reduced emissions.

What is the life of an electric car?

The life of the vehicle will depend on its battery size, motor and usage, but many are guaranteed by the manufacturer for as much as 100,000 miles or 8 years.

Good to know

¹ Comprehensive cover provides a courtesy car while your car is being repaired at an approved garage. When you buy comprehensive insurance direct from the AA you also get a Car Hire policy included. This gives you a courtesy car for up to 21 days if your car is written off, or stolen and not recovered. You must be 18 or over (23 or over in Northern Ireland and the Isle of Man) and have a full UK driving licence. This additional cover isn't available when you purchase or renew an AA Car Insurance policy that has been introduced to us via a price comparison or a cashback provider's website.

This policy will no longer be included with car insurance policies purchased after 8pm on 7 December 2021. After this time you can still purchase Car Hire as an extra cover option.

Defaqto 5 Star Rating. For the 12th year running, AA comprehensive car insurance has been given a 5 Star Rating from Defaqto. Defaqto is an independent financial information business, helping financial institutions, financial advisers and consumers make better informed decisions.

The underwriter of your car insurance policy will be provided from our panel of insurers.

AA Car Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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