Electric car insurance
Your electric car insurance needs covered
Plug into a brighter future with our car insurance for your electric and hybrid vehicles. And we’ll be by your side for every mile you take.
You don’t need specialist insurance. Our standard car insurance will cover your electric vehicle and give the type of specific protection you need – we cover stolen batteries to damaged charging cables.
Helping you to flip the switch on a better tomorrow. It takes Aviva.
Out of charge recovery
If your electric vehicle runs out of charge, an RAC mechanic will come out and either charge your battery to get you to a working charging point, or transport you, your vehicle and your passengers to a working charging point or your home. Whichever is closer. Footnote [1]
Accidental damage protection
We’ll be there for you if your car is lost or damaged, including if it’s damaged by electrical surge while charging.
Electric vehicle accessories covered
We cover accessories such as charging cables, in your vehicle or while in use, as well as wallbox chargers installed in your garage.
Add more cars – it doesn’t matter if they’re electric or not – and you could save 10% for every extra vehicle with our Multicar cover. Discount doesn’t apply to optional extras. Footnote [2]
If you’ve got an electric bicycle or scooter, you could get bicycle insurance from our partner Cycleplan.
If your electric charge wallbox is connected to the side of your house, you can get cover to protect it with Aviva Home insurance.
What does our car insurance cover?
Simply choose between our Comprehensive or Third Party, Fire and Theft cover. And add optional extras to create cover that suits you.
Comprehensive Car Insurance
What’s covered
- Loss or damage to your vehicle or battery
Cover for the loss of your vehicle, or if its stolen or damaged, including if your battery is damaged or stolen - Out of charge recovery
If your electric vehicle runs out of charge, an RAC mechanic will come out and either charge your battery to get you to a working charging point, or transport you, your vehicle and your passengers to a working charging point or your home. Whichever is closer Footnote [1] - Your liability
Cover if you injure someone or damage their vehicle or property in an accident - Uninsured driver cover
If you’re in an accident with an uninsured driver that wasn’t your fault Footnote [3] - Vehicle recovery
We’ll make your vehicle roadworthy with roadside repairs or cover up to £150 for accommodation or public transport - Driving other cars
Cover for driving someone else’s car (if you’re aged 25 or over) Footnote [4] - Motor injury protection
Cover for you, your partner and named drivers if you’re killed or injured in a car accident
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wear and tear or mechanical breakdown
Including problems with the on-board computers or electronics
- Tyres
Any punctures, cuts or bursts – including those caused by braking - Resale value
We can’t cover you for any loss in value of your car after repair
Take a look at our policy booklet for full details of what's not covered.
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.
- Breakdown cover
Different options from the RAC, including Roadside assistance, Recovery, At Home and Onward Travel, to add to your car cover. Not available if you live in Northern Ireland Footnote [5] - Protected no claim discount
You won't lose your no claim discount as a direct result of a single claim. Not available if you live in Northern Ireland - Motor legal
Help recovering your compensation and financial losses after a motor incident which wasn't your fault - Courtesy car
Access to a replacement vehicle, with standard and enhanced options available - Foreign use
Cover driving in most European countries - Motor Injury Protection Plus
Injury cover and physiotherapy for you, your partner and any named drivers after a motor accident
See our Insurance product information document for more information about the add-ons available.
Third Party, Fire and Theft
What’s covered
- Damage to your vehicle or battery
Cover against loss or damage to your car or battery due to fire, theft, or attempted theft
- Vehicle recovery
We’ll take your vehicle to be repaired if it’s damaged by fire, theft or attempted theft - Legal costs
Cover for legal costs if you’re involved in an accident
What’s not covered
Unfortunately, we can’t cover everything – make sure you understand what’s not covered, including:
- New vehicle replacement
Not included with this cover option
- Medical expenses
Any medical expenses if you’re injured in an accident - Personal belongings
Loss or damage to any of your personal belongings - Replacement locks
Locks, transmitters and immobilisers if your keys are lost or stolen - Replacement glass
Repair or replacement of glass
See our policy document for full details of what’s not covered.
What’s optional
Choose optional add-ons at an additional cost to create cover that suits you.
- Breakdown cover
Different options from the RAC, including Roadside assistance, Recovery, At Home and Onward Travel, to add to your car cover. And if you ever run out of charge, with the RAC’s award-winning EV Boost mobile charging system, stranded out-of-charge vehicles can get moving again with a roadside power boost Footnote [5]. Not available if you live in Northern Ireland - Motor legal services
Help to get compensation or recover financial losses after a motor incident that wasn't your fault - Protected no claim discount
Your premium won’t increase as a direct result of one claim when you renew
See our Insurance product information document for more information about the extras available.
Why choose us?
We're proud that our cover is 5 Star Rated by Defaqto – a trusted industry expert.
- Over 1 million people protect their car with Aviva Footnote [6]
- We’ve got heritage
We’ve been protecting customers for over 325 years - You can count on us
In 2023 we repaired over 31,000 vehicles
Acting on climate change
The climate crisis is the greatest threat facing our planet. Taking action now is the best thing we can do for our customers, business, shareholders and future. Aviva are the first major insurer worldwide to target becoming a Net Zero company by 2040. While we are working towards our sustainability ambitions we acknowledge that we have relationships with businesses and existing assets that may be associated with significant emissions.
Get a quote for Aviva Car Insurance in minutes!
You can get a quote faster by telling us your car registration so we can look up the details directly with the DVLA.
Important documents
If you already have car insurance with us, you'll find the documents for your policy in MyAviva.
Tune in, opt in and plug in to electric cars
From buying guides to battery basics, our articles can help you make the switch to an electric vehicle.
Looking for something different?
We've got a range of other car insurance products to protect what's important to you.
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Breakdown Cover
Whether you're on the driveway or open road, we're here to help with our range of breakdown cover options.
Learner Car Insurance
Learning to drive? Get practising on the road with flexible car insurance that lasts from two hours to five months.
Already with us?
Need to claim? The quicker you get in touch with us, the quicker we can help you. How to claim
Manage your cover with MyAviva
Log in to your MyAviva account to manage your policy quickly and easily. You can update your details, add a vehicle, start a claim, view your policy and more. Don’t worry if you’re not registered, it only takes a few minutes.
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