ELECTRIC CAR INSURANCE

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

Pathstar

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

    Why get electric car insurance with us?

    • The claims line is open 24/7 at our UK contact centre, so there's always someone ready to help you.
    • Stay on the move after an accident – you can have a courtesy car while yours is being repaired.¹ And if it's not your fault, AA Accident Assist can provide the same electric vehicle model as yours, subject to availability.
    • With our Uninsured Driver Promise, you'll keep your no claims discount and pay no excess if an uninsured driver hits your car and it's not your fault.
    • Personal belongings are protected too, up to £250 cover with the Platinum level of cover, for things like your handbag, mobile phone or wallet – or up to £500 if you're a member.
Electric car insurance

Features and benefits of our car insurance

Silver
Silver
Gold
Gold
Platinum
Platinum
Defaqto 4 Star rating Defaqto 5 Star rating Defaqto 5 Star rating
Motor Legal Assistance
Optional
Tick Tick
Car Hire
Optional
Optional
Tick
Motor Accident Plan
Optional
Optional
Tick
Excess Protection
Optional
Optional
Optional
Breakdown Cover
Optional
Optional
Optional
EU cover
30 days
90 days
90 days
Personal belongings
Cover up to
£50
Cover up to
£200
Cover up to
£250
Windscreen replacement excess
£150
excess
£100
excess
£75
excess
Windscreen repair excess
£25
excess
£10
excess
No excess
Lost or stolen keys
Cover up to
£750
Cover up to
£1,000
Cover up to
£1,500
Accidental and malicious damage excess
£200
excess
£150
excess
£100
excess

Enhance your insurance with additional cover

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

Find out what's insured and what isn't covered:

Motor Legal Assistance is included as standard with AA Gold and AA Platinum car insurance.


Car Hire

Need to stay mobile if your car's written off, or stolen and not recovered? Car Hire provides a replacement vehicle for up to 21 days. Here's what you get:


  • Hire vehicle provided by a national car hire network.
  • The vehicle will be similar in size to your own car, up to a 2.0 litre engine.
  • No limit on claims.

Named drivers on your policy with a full UK driving licence can also use the vehicle.


Find out what's insured and what isn't covered:

  • Car Hire
    Insurance Product Information Document

Car Hire is included as standard with AA Platinum Car Insurance.

Motor Accident Plan

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

By adding Motor Accident Plan you and insured persons 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.
  • 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. The same daily payment applies if an injury prevents you from working or carrying out usual activities, for up to 180 days.

Find out what's insured and what isn't covered:

Motor Accident Plan is included as standard with AA Platinum Car Insurance.

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

Find out what's insured and what isn't covered:

Breakdown Cover

Would you need help if your car breaks down? The Roadside level of cover provides:


  • 24/7 assistance if your vehicle breaks down over 1/4 mile from your home.

Whatever the weather, our expert patrols usually get to you in less than an hour, and typically get you back on the road after 30 minutes of arrival.

You can also add National Recovery just in case we can't repair your vehicle:

  • We'll take you, up to 7 passengers and the vehicle to any UK mainland destination.

So if we can't complete repairs at the roadside, you can choose to be taken home, to your driving destination or your local garage, regardless of how far this may be.

The Breakdown Cover service is limited to 1 call-out during the insurance policy year.


Find out what's insured and what isn't covered:

  • Roadside
    Insurance Product Information Document

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 membership 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 membership breakdown cover, a patrol will tow you to a charging point or your destination – whichever is nearer.



Are electric vehicles tax free?

Until 31 March 2025 completely electric vehicles are exempt from vehicle tax, while plug-in hybrid vehicles (PHEVs) pay a low rate due to their reduced emissions.

From 1 April 2025 new and existing vehicles and PHEVs will pay vehicle tax. The tax rate depends on whether the vehicle is registered from 1 April 2025, or else registered before or from 1 April 2017.



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.

AA Gold and AA Platinum comprehensive car insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial 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.

Car insurance

0330 053 0228

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

Call now