RAC Electric Car Insurance

Car insurance for your electric or hybrid car

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Electric car insurance

With RAC Car Insurance, insuring your electric or hybrid car is as easy as insuring any other car. As the experts in electric, you can count on us to find the best protection for your electric car, at the right price. So you can hit the road with complete confidence.

5-star car insurance

Car Insurance Plus has Defaqto’s highest 5-star rating

Uninsured driver cover

You won’t lose your no claims discount if hit by an uninsured driver^

Battery cover as standard

Protection against accidental damage, fire and theft is included

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What’s included in electric car insurance?

The RAC is on a mission to make owning an electric car easy. That’s why our electric car insurance is packed with brilliant features and benefits that give you complete peace of mind. See a full list of what’s covered.

RAC Car Insurance Plus
RAC Car Insurance
Uninsured driver promise
If you're hit by an uninsured driver you won't lose your no claims discount, and any excess you paid will be reimbursed
Vandalism promise
If your car's vandalised, you won't lose your no claims bonus
Courtesy car
You can keep moving if your electric car's being fixed, subject to availability and eligibility
Personal accident benefit
Get personal accident cover for you and your partner
£10,000 £5,000
And if you add our optional breakdown cover:
Battery cover for accidental damage, fire and theft
Even if you're leasing the battery
EV boost
Get a 10-mile recharge if your electric vehicle breaks down
Rapid recovery
Our high-tech vans can lift all four wheels off the ground, so you won't need to wait for a separate recovery truck
Access to expert mechanics
RAC patrols are fully trained to know your electric car inside out

Add breakdown cover for electric and hybrid cars

For complete peace of mind whilst out on the road, add RAC Breakdown Cover to your policy from as little as £19.99. All our patrols are fully trained to rescue electric cars so no matter which of our cover levels you choose, help is at hand 24/7.

Expert mechanics

RAC patrols are fully trained to know your electric car inside out. So you’ll be in safe hands with our experts.

EV boost

Battery run out? Only the RAC can give you a 10-mile boost with our EV Boost mobile charger fitted to our patrol vans.

Find out more >


Rapid recovery

Need a tow? Electric vehicles usually have to wait for a recovery truck. But our high-tech vans can lift all four wheels off the ground, saving you time and protecting your vehicle. 

Find out more > 


Do I need specialist insurance for an electric car?

No, you don’t. Specialist electric insurance policies are available. But RAC Car Insurance covers electric vehicles as standard. So you don’t need to worry.

What types of electric cars do you cover?

We cover most fully electric vehicles, hybrids, plug-in hybrids and mild hybrids. Just enter your vehicle details when you get a quote and we’ll let you know if we cover it.

Frequently Asked Questions

Electric car insurance can be more expensive because this type of car cost more than conventional vehicles. They’re also equipped with technology that’s costly to fix or replace. Also, if you have an accident, it’s more likely to need a specialist repairer.  
Q. Is the compulsory excess higher on an electric vehicle?
No. There’s no specific additional excess added for electric cars. The compulsory excess is set by your insurer. It’s based on make, model, age and condition of your car.  
Q. What happens if I’m leasing the battery?

When you own or lease the battery in your electric or hybrid car, it’s covered for accidental damage, fire and theft.  

When you take out a policy, you need to let us know if you’re leasing the battery. If your car’s written off, it’s important that the payouts for the car and battery go to the right place. 

If you own the battery, the value of the car and the battery make up the market value of your car.     

Q. If my electric car’s damaged in a collision, can your repairers fix it?
Yes. We work with a network of approved repairers, who have the tools and technology to fix electric and hybrid cars.  
Q. Can you help if my electric car breaks down at the roadside?
Yes, if you choose to add RAC Breakdown Cover to your electric car insurance policy (from as little as £19.99 per year). We’ll always aim to fix faults there and then and if your battery goes flat, we can send out one of our vans with our handy mobile charger to give you a 10-mile boost, rather than towing you to the nearest charge station like other providers.
Q. Can I make an amend to my electric car insurance online?
Yes, simply log in to your online account to make changes such as a change of address, change of vehicle or to add or remove a driver. No fuss, no phone call needed and open 24/7.

Find out more about the RAC's EV products and guides here


RAC Breakdown cover for electric and hybrid cars and plug-in hybrid


Browse our selection of electric car accessories in the RAC Shop


Learn more about making the switch to electric and the types of EV vehicles


Find out how it works and how much it costs to charge your electric car whilst out and about


How are EV's set to impact the environment and our lives in the UK over the coming years.


03 numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles. Calls may be recorded and/or monitored. 

^ Uninsured Driver cover and Vandalism cover only available with RAC Car Insurance Plus policies.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority. 

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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