Electric car insurance

An electric car being charged.

With charging cable cover

Cables provided by the manufacturer are covered.

Electric car insurance is offered through Co-op Insurance Services and administered by Affinity Insurance Solutions Limited.

Electric car insurance comes with a variety of features and you can choose from comprehensive or third party, fire and theft levels of cover.

Electric car insurance cover

There are some specific electric car insurance features included in our comprehensive policies:

  • battery cover for accidental damage, fire and theft
  • charging cable cover for cables provided by the manufacturer for accidental damage, fire and theft.

With comprehensive cover you also get:

  • a courtesy car when one of our approved repairers fixes your car as part of a claim
  • a 24-hour accident recovery service if your car needs to be recovered in an accident for which you could make a claim
  • up to 30 days insurance cover in the European Union over the policy year
  • our Uninsured Driver Promise means that if you have an accident that is the fault of an uninsured motorist, we will refund the cost of your excess and restore your no claims discount. You must be able to provide the vehicle reg, car colour, make and model, and the uninsured driver's details.

Comprehensive vs third party, fire and theft

Comprehensive and third party, fire and theft polices offer different levels of cover.

Cover

Comprehensive

Third party, fire and theft

Costs for damage you cause to other people, their car or other property

Damage you cause to other people, their car or other property is covered in comprehensive policies. Damage you cause to other people, their car or other property is covered in third party, fire and theft policies.

Paying you the market value of your car if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire

Paying you the market value of your car if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire is covered in comprehensive policies. Paying you the market value of your car if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire is covered in third party, fire and theft policies.

Costs for repairing your car after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered

Costs for repairing your car after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered is covered in comprehensive policies. Costs for repairing your car after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered is covered in third party, fire and theft policies.

Costs for repairing your car if it’s been damaged in a crash, even if it’s your fault

Costs for repairing your car if it’s been damaged in a crash, even if it’s your fault are covered in comprehensive policies. Costs for repairing your car if it’s been damaged in a crash, even if it’s your fault are not covered in third party, fire and theft policies.

Windscreen repair or replacement

Costs for repairing or replacing your windscreen are covered in comprehensive policies. Costs for repairing or replacing your windscreen are not covered in third party, fire and theft policies.

What electric car insurance does not cover

There are certain things our insurance doesn’t cover, including using the vehicle for professional driving instruction, motor trade operations, hiring your car to someone else, and motor racing.

View the full list of exclusions in the policy documents.

Add extras to your electric car insurance policy

You can add extra cover when you buy your policy online. These include:

  • UK and European breakdown cover
  • guaranteed hire car cover, that will get you back on the road if your car is written-off or stolen
  • motor legal expenses insurance, that can help recover your uninsured expenses when an accident wasn’t your fault.

Find out more about the extras you can choose.

Electric car insurance discounts

There are a number of different discounts available for electric car insurance including no claim discount, named driver no claim discount and member discount.

Find out if you could get a discount.

Policy documents

If you're a new customer your policy documents will be shown when you get your quote.

Existing customers

Make a car insurance claim

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

A new customer is someone who has not had a car policy with Co‑op Insurance in the last 12 months for the same vehicle.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents for further details.

Ecoinsurance is normally available to customers aged 22 to 75 only.

Applicants for insurance are subject to normal underwriting criteria.

By Miles Ltd is authorised and regulated by the Financial Conduct Authority, number 773046. Trading address: 2-14 Shortlands, Hammersmith, London W6 8DJ. Company number: 09498559.