Tap in your reg and charge up your cover for electric and hybrid cars

Covering your insurance needs for electric cars

Plug into top-rated cover with our Aviva Signature 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 Defaqto 5 Star rated Aviva Signature car insurance will cover your electric vehicle and give the type of specific protection you need. We also cover accessories such as charging cables - in your vehicle or while in use. With comprehensive cover, we also cover wall box chargers installed in your garage.

Relief when you run out of charge

If your electric vehicle runs out of charge, we'll arrange for an RAC mechanic to come out. They will either charge your battery to get you to a working charging point or take you, your vehicle and up to seven passengers to a working point or your home, whichever is closer. ^{Footnote [1]}

Protection from accidental damage

We'll be there for you if your car's damaged, including by an electrical surge while it's charging.

We cover charging accessories too

We cover charging accessories - such as charging cables - in your vehicle or while in use, or whilst stored in your private garage.

Cover for breakdown of your home charging point

With comprehensive cover, we cover home charging points used to recharge electric or plug-in hybrid vehicles at your home for breakdown. This includes the electrical wiring between the fuse box and the charging point. ^{Footnote [2]}

What does our car insurance cover?

If your car or journey hits unexpected bumps or scrapes, car insurance helps to make sure that your bank balance ends up with less dents. If you make a claim you’ll have to pay a fee known as an excess, but car insurance may make the cost of fixing these issues cheaper. Here’s what each level of our insurance will cover you for.

For full details of what’s covered and what’s not by our Aviva Signature motor vehicle insurance, read our Motor Insurance Policy Booklet (PDF 843 KB).

	Comprehensive car	Third party fire and theft
Loss or damage We'll pay money towards a new vehicle if someone steals yours, or we'll arrange and pay for repairs if they're needed after an accident, fire or theft. We cover parts for the length of the guarantee given by the part manufacturer or supplier. We don't cover wear and tear. You must keep your vehicle roadworthy.	Included The market value of your vehicle	Included The market value of your vehicle Fire and theft only
Electric vehicle 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 up to seven passengers to a working charging point or your home, whichever is closer. ^{Footnote [1]}	Included
What you owe others If you injure someone, damage their vehicle or damage their property in an accident, we’ll pay to put it right.	Included
Uninsured driver cover If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You'll need to provide us with the other driver’s name, contact details and their vehicle registration number.	Included
Vehicle recovery If your vehicle's in no shape to drive after an accident or fire, we'll deliver it to one of our approved garages. We'll take you and your passengers home, get you where you're going or pay up to £500 towards the cost of an overnight stay or public transport. Geographical restrictions apply.	Included	Included Fire and Theft only
Driving other cars Cover for driving someone else’s car if you’re 25 or over at the start of the policy, you're the vehicle policyholder and the vehicle owner has given you express consent. It covers any third party costs, but not repairs to the vehicle. Subject to eligibility criteria.	Included
Motor injury protection Cover for you, your partner or named drivers in case of serious injury or death from a road accident.	Up to £5,000 per person, per policy year	Not included
Individual no claim discount Build up a discount for each vehicle you insure on your policy when you steer clear of claims.	Included	Included

Important documents

We’d encourage you to read your Car Insurance important information document (PDF 85 KB) and your Car Insurance Product Information Document (PDF 364 KB). You can also check what’s covered in your Motor Insurance policy wording (PDF 843 KB) and learn about Motor cover limits (PDF 111 KB). If you want to add breakdown cover to your policy, you can find out more in Breakdown cover terms and conditions (PDF 175 KB). We also have information to help you if you’re Motoring in Europe (PDF 239 KB). You can also find out more about us and About our insurance services (PDF 71 KB).

Boost your insurance with our optional add-ons

Fine tune your cover for each vehicle on your policy. Stitch in these extras as you go through your quote, to see your price for any you choose. You’ll have the chance to decide if you want to keep them or not before you go ahead and pay for your cover.

Protect your no claim discount

Make sure one claim doesn’t make years of hard-earned discounts disappear, even if it was your fault.

Courtesy car

We’ll keep you on the road with a courtesy car if yours is damaged, written off or stolen. You can only pair this with our comprehensive insurance.

Motor Injury Protection Plus

£120,000 cover if you, your partner, or any named drivers are seriously injured or die as result of an accident in the insured car. It includes cover for physiotherapy after a motor accident. Only available on comprehensive cover.

Motor legal services

£120,000 cover if you, your partner, or any named drivers are seriously injured or die as result of an accident in the insured car. It includes cover for physiotherapy after a motor accident. Only available on comprehensive cover. This is in addition to the £5,000 cover provided as standard with Comprehensive cover.

UK breakdown cover

Choose the level of cover you want, alongside your Aviva Signature Car Insurance or separately. Not available if you live in Northern Ireland.

Explore breakdown cover (PDF 175KB) ""

European use

Pack up your cover and zip it into your case on a trip across to the continent. You can also add European breakdown cover (so you’re never trying to negotiate a roadside pick-up in another language). You can only use these to upgrade a comprehensive insurance policy.

Explore motoring in Europe (PDF 339KB) ""

Looking for something else?

Why choose us for Aviva Signature car insurance?

You can trust us, just like over 2 million people who protect their cars with us. As at July 2026.

If you already hold a qualifying Aviva policy with us, we'll give you a 10% discount on new Aviva Signature Car Insurance policies. Discount excludes optional extras. T&Cs apply.^{Footnote 3}

Our cover has been given a 5 Star rating by Defaqto.

Their experts lift up the bonnet of our policies, and sift through every nut, bolt and washer – it’s not based on opinions or hearsay.

We’ll get you back on the road. In 2025, we repaired over 73,000 vehicles.

Electric car FAQs

Is there road tax on electric cars?

Are electric cars cheaper or more expensive to insure?

What happens if I’m leasing my car battery?

As standard, we cover leased car batteries under our Aviva Signature car insurance policies.

So if, say, your EV’s side-swiped and both the car and its battery’s damaged – and both can be repaired – we’ll sort out the claim in the same way we would a petrol or diesel car. If we can’t repair the car, or it’s stolen, we’ll pay out the car’s value minus the battery. We’ll then deal separately with the manufacturer about the battery as they, not you, ‘own’ it. If it’s damaged or stolen we’ll pay the battery’s value to the manufacturer but, if it’s still in one piece, we might simply hand it back rather than pay out. Please refer to the policy documents for more information.

Are electric cars manual or automatic?

See all motor FAQs

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Electric car insurance - Get a quote in minutes