Male and female with two young children packing up red car.

Electric cars

There are a lot of pros to driving an electric car, check out our guide below for more information on insuring your electric car and what to be aware of when shopping for car insurance.

Electric car insurance

Before you take out electric car insurance, bear the following in mind:

Leased batteries

Some electric car drivers choose to lease the car's battery from the manufacturer, and in some cases this will result in lower insurance costs. If you do this, it's vital you let insurers providers know when retrieving quotes.

If you decide to lease the battery, make sure you read of all documents you receive from the manufacturer, so you fully understand your responsibility as the car's owner.

Power cables

Electric cars need to be plugged in to charge, so another important issue to consider is the power cables. When assessing insurance options, check whether the policies provide cover for any damage to the charging device and cables, as repairs could be costly.

You should also enquire about liability to other people who may be injured if they were to trip over the cable when your car's being charged. These scenarios may seem unlikely, but it's better to be safe than sorry and to thoroughly check through policy details.

Lowering your premium

As with all other types of insurance, there are several things you can do to reduce the cost of cover. These include everything from parking your electric car in your garage overnight, to limiting your mileage or adding a named driver to your policy. Providers will also reward you if you've built up a no claims discount over the years.

It's not always the best idea to accept the cheapest insurance quote, as it might not provide you with the best protection. Take the time to research different quotes, thoroughly reading the terms and conditions so you know what features and incentives are offered by each provider. Only by doing this can you be sure you've chosen the policy best suited to you.

All information is correct at time of publication. Hastings Direct cannot be held responsible for any misinformation displayed.

Government-backed incentives

To encourage drivers to 'go green,' the government's offering grants, up to £2,500 towards the cost of new electric cars and vans, provided they meet certain conditions.

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