Electric car insurance

Cover that is 5 Star Rated by Defaqto

Aviva Car Insurance has been awarded an overall rating of 4.5/ 5from (1632 reviews) customer reviews

Here's what customers have to say about Aviva Car Insurance

TrustScore 4.5 / 5 from 1632 customer reviews Read all 1,632 reviews for Aviva 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.

Read our Motor Insurance Policy Booklet (PDF 554 KB)

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.

Read our Insurance product information document (PDF 82 KB)

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.

Read our Motor Insurance Policy Booklet (PDF 498 KB)

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.

Read our Insurance product information document (PDF 82 KB)

Why choose us?

We're proud that our cover is 5 Star Rated by Defaqto – a trusted industry expert.

Defaqto 5 Star rated car insurance logo
  • 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.

Discover our climate goals

Electric car FAQs

Is there road tax on electric cars?

Are electric cars cheaper to insure?

What government grants are there for electric cars?

What happens if I’m leasing my battery?

How much does it cost to charge an electric car?

Are electric cars manual or automatic?

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. 

Read our articles

Looking for something different?

We've got a range of other car insurance products to protect what's important to you.

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.

Driving abroad?

For information on Green Cards or how Brexit may impact your Aviva policies please visit our FAQs.

Motor articles

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