Whether you’re an experienced or newbie EV driver, you might have a few questions about insurance for electric cars.

As insurance experts, we’re here to bust some common myths and tell you more about how EV insurance works.

Do I need specialist EV insurance?

Technically, no.

There are lots of specialist EV insurers out there. But lots of standard car insurance policies will cover you too – including ours!
As far as we see it, the risks of owning an electric car are similar to any other car, whether that’s a diesel or a petrol.
That means your insurance needs to cover you for a lot of the same things.

What does electric car insurance cover?

Electric car insurance is the same as car insurance, plus a few extras. Not only is it a legal requirement, but it’s there to cover you if your car is damaged, stolen or you’re involved in an accident.
But it usually has some extra features designed to cover EV tech. For example, cover for your high-voltage battery, wall box and charging cables.

It protects your tech against things like accidental damage, fire and theft – so you’re not left out of pocket if there’s a hefty repair bill to pay.

A lot of policies also include out of charge recovery, so you don’t need to worry about running out of charge while you’re on the road.

Plus, depending on the cover you choose, it could include extra features like breakdown cover or a courtesy car while yours is being fixed.

How do insurers define EVs?

Insurers class these types of cars as EVs:

• Battery electric cars – these are purely powered by an electric battery.
• Hybrid electric cars – these combine a petrol or diesel engine with a small electric battery, that you don’t plug in to charge.
• Plug-in electric hybrid cars – these combine a petrol or diesel engine with a large battery, that you can plug in to charge.

Are EVs more expensive to insure?

A common misconception is that EVs cost more to insure, but that’s not always true.
Like car insurance, the cost of it depends on a lot of different things, including:

• your information, like how old you are and how long you’ve been driving
• the car you drive
• where you live and the number of claims in your area
• your driving habits

No matter what type of car you drive, newer cars have better tech. That means repairs are more expensive, which means the cost of your insurance can go up.
EVs are generally newer cars, which is why you might have heard they’re pricier to insure. But really, everyone’s quote is unique.

At Admiral, we’ve spent a lot of time listening to people who’ve already made the switch to an EV. We’ve evolved our car insurance to make sure it covers everything that really matters to EV drivers.

That’s why our comprehensive electric car insurance includes:

• Out of charge recovery – so you don’t need to worry about being left stranded on the side of the road.
• Cover for your home charging set-up – that includes your wall box and charging cable.
• Protection for your battery – so if your battery is damaged or stolen, you’ve got a back-up plan.

And more than that, we offer our comprehensive electric car customers access to our Admiral EV benefits platform, powered by ZoomEV. That means access to some supercharged benefits like:

• Free credit or discounts on public charging networks
• Discounts on home chargers
• Credit on home energy tariffs
• Discounts on nationwide parking, including some airports
• Comprehensive EV insights (download a free report!)
• EV experts
• Access to prize draws

Plus, keep an eye out as the Zoom EV team are always launching new benefits and features for Admiral customers.

Basically, if it matters to you as an EV driver – it matters to us. And you know you’re in good hands with us, because Defaqto named us a Trailblazer for innovation in EV insurance!

Find out more about Admiral’s Electric Car Insurance.
Heads up, policy limits and exclusions apply. So, we always recommend checking your policy book carefully.