I N S U R E N
United Kingdom

Office Address

  • United Kingdom
  • patrick@claritycompare.com

Pinterest

Social List

Insuring Your Electric Car – Smarter Cover for Smarter Vehicles

Electric cars are becoming the go-to choice for UK drivers—not only because they’re better for the planet, but also because they can help cut down on running costs as fuel prices continue to rise. If you’re making the switch to electric or already own one, it's important to find the right insurance that matches your vehicle’s unique needs. At Clarity Compare, we make it easy to compare electric car insurance quotes from trusted providers—helping you save money while staying covered. Ready to get started? Let’s explore how to find the right electric car insurance deal today.

Start a Quote
Hero Character

Is Electric Car Insurance Really That Different?

At its core, electric car insurance functions just like any other car insurance policy. You’ll still choose between standard levels of cover and go through the same process when making a claim.
What makes EV policies unique are a few important extras tailored to the needs of electric vehicle owners—like battery protection and cover for charging cables.

1. Third-Party Only

The minimum legal requirement. Covers damage or injury you cause to others, but doesn’t protect your own vehicle.

2. Third-Party, Fire & Theft

Adds protection for your own EV if it’s stolen or damaged by fire, alongside third-party cover.

3. Comprehensive Cover

The most complete option. Covers you, your car, and any third parties involved in an accident—plus potential extras like windscreen cover and personal injury compensation.

What Does Electric Car Insurance Cover?

Electric car insurance is specifically tailored to meet the needs of electric vehicle (EV) owners. While it includes many of the same protections as a standard car policy—like third-party, fire and theft, or comprehensive cover—it also offers specialised features designed for EVs.

Here’s what an electric vehicle policy might include:

Battery Cover
Protection for your vehicle’s battery—whether it’s owned outright or leased.

Charging Equipment
Insurance for essential accessories, such as home charging units and charging cables, which can be costly to replace if stolen or damaged.

Breakdown Assistance for Low Battery
Some providers include recovery support if your car runs out of charge while on the road, helping you reach the nearest charging station.

Just like with any vehicle, the exact details depend on the insurer and the level of cover you choose. At Clarity Compare, we help you compare tailored electric car insurance quotes—so you get the protection you need, at a price that fits.

How Much Does Electric Car Insurance Cost?

The cost of insuring an electric car varies, just like with petrol or diesel vehicles. Your premium will depend on a mix of factors personal to you and your vehicle.

Key Factors That Influence Your EV Insurance Premium:

  • Vehicle Value – High-end electric models usually cost more to repair, increasing premiums.

  • Insurance Group – Each EV is placed in an insurance group (1–50). Lower groups = cheaper cover.

  • Type of Cover – Comprehensive policies generally cost more but offer wider protection.

  • Driver Age & Experience – Younger or less experienced drivers may face higher rates.

  • Postcode – Where you live affects your risk profile—urban areas often cost more.

  • Driving History – Previous claims or driving offences can increase costs.

  • Annual Mileage – More miles typically mean higher risk and higher premiums.

  • Parking Location – Cars parked on the street overnight may cost more to insure than those kept in a garage or driveway.

What Affects the Cost of Classic Car Insurance?

The cost of classic car insurance can vary widely, depending on your car, how you use it, and your personal driving history. Because classic cars are typically driven less often and are well maintained, premiums can often be lower than those for everyday vehicles.

Vehicle Details

The make, model, and agreed value of your car play a key role. High-value or rare classics often cost more to insure.

Level of Cover

Whether you choose third-party, fire and theft, or comprehensive cover will affect your premium. Adding extras like breakdown cover or European driving protection will also impact the cost.

Usage & Mileage

Your estimated annual mileage and how you use the car—such as occasional leisure drives or exhibitions—can affect your rate. Lower mileage often means lower premiums.

Usage & Mileage

Your estimated annual mileage and how you use the car—such as occasional leisure drives or exhibitions—can affect your rate. Lower mileage often means lower premiums.

Your Location

Your postcode gives insurers an idea of local risks such as crime rates or accident frequency, which can influence pricing.

Storage Conditions

Storing your classic car in a garage or secure location when not in use can help reduce your premium.

Your Age

Older drivers with more experience typically pay less for insurance than younger drivers.

Driving & Claims History

A clean driving record and no-claims bonus can lead to lower premiums, while previous claims or points on your licence may increase the cost.

What extra cover can you get with electric vehicle insurance?

When insuring an electric vehicle (EV), many of the same optional extras available for petrol and diesel cars still apply. However, EVs come with some unique considerations—
so it’s worth looking at add-ons that are designed specifically for electric models. Here are the most common cover extras you might want to include:

1. Battery cover

Most EV insurance policies include protection for the battery if it’s damaged in an accident or fire. However, if your battery is leased rather than owned, you’ll need to check whether your policy covers that too. Always review the fine print or speak to your insurer if you’re unsure.

2. EV-specific breakdown cover

Breakdown cover for electric cars should include recovery to the nearest charging point if your battery runs flat. Some providers even offer mobile charging to get you back on the road quickly.

3. Portable charging cable cover

EV policies often cover charging cables if they’re lost or stolen—whether from your vehicle or while plugged in at a public location. Some policies may also include wallbox charger cover, although this might fall under your home insurance instead.

4. Charging cable liability

If someone trips over your charging cable while it’s plugged in in a public place, liability cover can protect you in case they claim for injury.

5. Personal accident cover

This provides compensation if you, a named driver, or a passenger are seriously injured or killed in a car accident.

6. Motor legal protection

Also known as legal expenses cover, this helps with legal costs if you need to make or defend a claim following an accident.

7. No-claims discount (NCD) protection

Adding NCD protection means you won’t lose your discount if you need to make a claim—helping you keep future premiums lower.

8. Courtesy car cove

If your EV is in the garage for repairs after an accident, courtesy car cover ensures you have a temporary replacement to stay on the move.

9. European cover

UK insurance policies usually include the minimum third-party cover for driving in Europe. For more protection abroad, consider adding comprehensive European cover or breakdown assistance during your trip.

10. Are these extras included as standard?

Some comprehensive policies may already include a few of these extras. That’s why it’s a good idea to compare different levels of cover—you could get more value overall by choosing a policy with more built-in protection.

Testimonials

What Our Customers Say?

"Clarity Compare made the entire process so easy! I found great car insurance in minutes and saved over £200 compared to my renewal quote."

Lucy H.

"I wasn’t sure where to start with life insurance, but their platform and expert advice gave me clarity and confidence. Highly recommended!"

Mark J.

"I loved how simple and quick it was to compare travel insurance. I found a perfect deal and felt fully covered for my trip."

Ayesha K.

"Their customer support is top-notch. I had questions about home insurance, and the team guided me without any pressure. Fantastic service!"

Tom R.

"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

Natalie W.

What are the benefits of owning an electric car?

Making the switch to an electric vehicle (EV) offers a wide range of advantages—both for your wallet and the environment. Here’s why more UK drivers are choosing to go electric:

1. Lower environmental impact

Electric cars produce zero tailpipe emissions, meaning no carbon dioxide (CO₂), nitrogen oxides (NOx), or particulate matter. That makes them significantly cleaner than petrol or diesel vehicles and a smarter choice for eco-conscious drivers.

2. More affordable to run

Charging an EV is generally cheaper than filling up with fuel. The exact savings depend on your driving habits and where you charge, but the most cost-effective option is often home charging, especially overnight when using a time-of-use electricity tariff.

3. Lower maintenance costs

With fewer moving parts than traditional engines, EVs require less servicing and experience less wear and tear. You won’t need oil changes, and long-term repair costs tend to be lower compared to petrol or diesel cars.

4. Free or discounted parking

Some local councils offer free or reduced parking fees for electric vehicles—making city driving even more convenient and cost-effective.

5. A quieter, smoother drive

Electric cars operate with much quieter engines compared to petrol or diesel vehicles. While they still produce sound for pedestrian safety, the overall driving experience is calmer, more refined, and ideal for city commutes or long journeys.

6. Thinking about going electric?

With lower running costs, cleaner emissions, and extra savings through exemptions and perks, owning an electric car is a smart choice for the road ahead.

Are Electric Cars Cheaper or More Expensive to Insure?

  • Electric cars have historically been more expensive to insure than petrol or diesel models, largely due to their higher purchase price, specialised parts, and the need for trained technicians for repairs. These factors often lead to higher repair costs, which can drive up insurance premiums. However, as electric vehicles become more mainstream, the landscape is shifting. More affordable EV models are now available, the second-hand electric car market is growing, and mechanics are becoming more experienced with EV technology. At the same time, replacement parts are easier to source, and the insurance industry is adapting with more providers offering EV cover. As a result, electric car insurance is becoming increasingly competitive—and with more options on the market, it’s now easier to find a policy that offers both value and the specific protection EV drivers need.

Do all insurance providers offer electric car cover?

  • Most major insurers now offer policies tailored specifically for electric vehicles—and that number is growing as EVs become more popular on UK roads.

    The good news? More providers means more competition, which gives you a better chance of finding the right level of cover at a competitive price. That’s why comparing electric car insurance is one of the smartest ways to save.

    At Clarity Compare, we make it easy to compare quotes from leading providers, so you can find a policy that fits both your needs and your budget.

Classic Car Fines Every Owner Should Know About

Owning a classic car is a joy—but it comes with legal responsibilities that differ from modern vehicles. To help you avoid costly mistakes,
here are five classic car offences that could result in fines or penalty points.

1. Worn or Unsafe Tyres

Offence: Driving a vehicle in a dangerous condition
Penalty: Up to £2,500 fine + 3 penalty points
Original tyres might look authentic, but they must meet today’s safety standards. Tyres must have:
a. A minimum tread depth of 1.6mm across the central three-quarters
b. No damage such as cuts or bulges
Failing to meet these requirements could result in a heavy fine and penalty points.

2. Driving with Faulty Parts

Offence: Driving a vehicle in a dangerous condition (Highway Code Rule 89)
Penalty: Up to £2,500 fine + 3 penalty points
Classic cars can suffer from wear and tear due to age. If you're driving with mechanical faults—like faulty brakes, suspension issues, or a failing engine—you could be considered a danger on the road and face penalties.

3. Engine Idling at Shows or Events

Offence: Leaving your engine running while stationary (Highway Code Rule 123)
Penalty: Fine from £20 to £80
It’s tempting to leave your engine running at car meets or vintage shows, but idling your engine unnecessarily is an offence. Always turn it off when parked or stationary to avoid fines.

4. Loud Exhaust Modifications

Offence: Exceeding legal noise limits
Penalty: £50 fixed penalty notice
Modifying your classic car’s exhaust to create a louder roar might sound appealing, but it’s illegal if it raises the noise level beyond what’s allowed for the vehicle’s type. Stick to original-spec sound levels to avoid trouble.

5. No Seat Belts When Driving Children

Offence: Breaching seat belt laws
Penalty: Up to £500 fine
Many older classics were built before seat belts became mandatory. If your vehicle isn’t fitted with belts:
a. Children under 3 years old cannot travel in the car
b. Children aged 3 and above must sit in the back seats only

What else should I consider when buying an electric car?

Thinking about switching to an electric vehicle (EV)? While there are plenty of benefits, it’s worth weighing a few important factors before making the move:

Battery: should you buy or lease?

While most new electric cars come with the battery included, some older or specific models may offer the option to lease the battery separately. Leasing can reduce your upfront costs and usually comes with a performance guarantee—if the battery’s capacity drops below a certain level (typically 60–75%), it will be repaired or replaced by the manufacturer.

Range: how far do you drive?

EVs don’t always match the range of petrol or diesel cars on a full charge. If you regularly take long-distance trips, make sure the car you choose can comfortably cover those miles—or consider a hybrid vehicle as a stepping stone.

Charging at home

Installing a home charging unit makes owning an EV more convenient. Installation costs range from £800 to £1,500, depending on the model and installer If you rent or live in a flat with off-street parking, you may be eligible for a government grant of up to £350 to help with the cost

Access to charging points

Check the availability of public charging stations near your home, work, and common travel routes. Tools like Zapmap can help you locate charge points across the UK, so you’re never caught short on power.

Ready to go electric?

An electric car can be a smart, cost-saving move—but it’s important to make sure it suits your lifestyle. Once you’ve found the right EV, compare specialist electric car insurance with Clarity Compare to get cover that fits your needs and budget.

Frequently Asked Questions

 

1. Do electric cars pay road tax?

Currently, fully electric vehicles are exempt from road tax—but this may change in future. Always check the latest government updates to see what applies to your EV.

Electric cars run solely on battery power, while hybrids combine a traditional petrol or diesel engine with an electric motor. Plug-in hybrids can be charged, while standard hybrids recharge through braking and engine power.

Some government incentives are available, such as support for installing a home charger. Direct grants towards buying an EV have largely ended, but it’s worth checking for any local or updated schemes.

Just like standard car insurance, EV policies include an excess—the amount you agree to pay towards any claim. This could include both compulsory and voluntary excess amounts.

Yes, most electric vehicle insurance policies allow you to add additional drivers. This may affect your premium, especially if the added driver has limited experience or driving history.

If your car has a leased battery, you’ll need to ensure your insurance policy covers this arrangement. Some insurers include leased battery cover automatically, but always double-check before buying.

wpChatIcon
wpChatIcon

Contact us

Getting in touch with us has never been easier.
Live chat is available 8.30am - 5pm
Monday to Friday

×
🌐 Webform 📘 Facebook