Electric Car Insurance
Our great value car insurance. Electrified.
What does our comprehensive electric car insurance cover?
Electric car insurance is just car insurance and our comprehensive cover includes everything you’d expect, including features to protect your electric car - plus the reassurance of 1st Central’s award-winning service.
More cover options available
Easily compare our products to find the right level of cover for you
Accidental Damage
From minor bumps to bigger scrapes, we’ll help with repair or replacement costs if your car or battery is damaged in an accident.
Theft, Fire and Vandalism Cover
We’ve got you covered if your car or battery is stolen, damaged by fire or vandalism, or broken into.
Third-Party Liability
If you damage someone else’s vehicle or property, or injure another person, we’ll help cover the costs.
Cover for portable charging cables
For fully battery powered electric vehicles we'll cover accidental damage, fire and theft for your portable charging cables.
Hotel Expenses
Stuck far from home after an accident? We’ll help cover overnight accommodation costs if you need them.
Key Assist Cover
We’ll cover up to £1,500 if your keys are lost, stolen or damaged – including locksmith charges and replacement locks.
European Cover
Planning a drive through Europe? We include up to 90 days of cover in the EU as standard.
Why choose.svg)
for electric car insurance?
We know that insurance isn’t just about cover - it’s about confidence. Here’s why thousands of people trust us:
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We’re competitive on price
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Friendly support team
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Rated Excellent on Trustpilot
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98% of claims paid in 2025
Upgrade your electric car insurance with optional add-ons
Want to tailor your policy to suit your life? We offer a range of extras so you can build a level of cover that works for you. These extras can be added when you get your quote - just pick the ones that matter most to you.
Breakdown Cover
Learn more about RAC's Electric Breakdown Cover
The RAC is leading the way in supporting electric vehicle drivers with innovative, reliable, and EV‑friendly roadside assistance. Find out how below:
Expert EV patrols: RAC has specially trained patrols with expertise in electric vehicle technology as well as High Voltage Awareness training, so they can safely diagnose and repair EV issues at the roadside.
EV Boost: If your electric car runs out of charge, RAC's award-winning EV Boost vans can give you up to 10 miles of power, getting you safely to the nearest charge point.
EV-friendly cover as standard: You don’t pay extra for electric breakdown cover.
FAQs about car insurance for electric cars
Is it more expensive to insure an electric car
Sometimes. Electric cars can cost more to insure than petrol or diesel ones because repairs can be pricier. But as more affordable EVs hit the roads, premiums are becoming more competitive.
What age can you get insured on an electric car?
At 1st Central, our minimum driver age is 17, depending on licence type and driving history. Some electric cars might need more experience - it depends on the model and insurance group.
Do you insure hybrid cars?
We also insure hybrid cars, and you’ll get the same great benefits with a 1st Central policy. It’s designed to keep you protected, on the road and worry free.
What car insurance payment options do you offer?
If you're 18 or over, you have the option of paying in full or in instalments, subject to a creditworthiness assessment. It's more expensive to pay for your policy by monthly instalments instead of paying in full, because you're charged interest on a loan.
However, if you're 17 you'll need to pay in full as car finance is not an option for 17-year-olds, as you're not allowed to sign a credit agreement until the age of 18.
If you decide to pay by instalments, we offer two options: a direct debit from your bank or monthly recurring card payments from a debit or credit card.
When you purchase a policy for the first time and decide to pay monthly, you'll be required to pay a deposit on the day you purchase, in addition to your monthly instalments.
We accept the following cards:
Visa, Visa Electron, Mastercard, Maestro
Do you offer a Multicar discount?
Yes, we now offer a multicar discount for existing customers. You can now get up to £50* off a new policy for each additional vehicle you or a member of your household insure with us.
Just click on the link below, or send it to other members of your household:
https://www.1stcentralinsurance.com/multicar
- The additional policies must be purchased for the same address as your existing policy and applies to new policies only.
- Any discount offered is available on new motor quotes generated directly through the 1st Central website. The discount is included in the final quoted price shown, is not cashback, and may be withdrawn at any time.
- If you are an existing motor customer with a single policy and a member of your household purchases a policy, you will be eligible to receive a discount up to £50, applied to your policy premium at the time of renewal.
- This discount cannot be used in conjunction with any other offer.
- All new quotations are subject to the prevailing underwriting terms. It is possible that we may be unable to fulfil certain new quotes.
- The Multicar discount is available for up to 5 additional vehicles in your household.
- Any policies purchased through the Multicar discount remain separate policies and are subject to their individual terms and conditions.
- 1st Central Connect customers are excluded from this offer.
*Based on the average discount Multicar customers received through October 2024 - September 2025
Looking for something else?
Need something other than electric car insurance? Check out our other cover options