Electric Car Insurance Comparison: These Services Count

Electric cars have special components and requirements that must also be taken into account in car insurance. Electric car drivers should ensure that, in addition to a low price and the services we generally recommend, components such as the battery and charging cable are protected as well as possible. Some of the e-car specific services are only available if you take out comprehensive insurance, but we still recommend comprehensive insurance for new e-cars due to the high acquisition costs. We have compiled important services for e-cars.

battery pack

The battery is the heart of every electric car and therefore must be insured for a certain period of time up to the amount of the replacement value. With many rates, the new price for the battery (as an insured part of the car) is only given if the entire car was damaged. However, other policies also refund the original price if only the battery was damaged. With the individual tariffs, the refund of the new battery price is applied without a time limit, but deductions of the value of the refund are normally made each year after the end of the period. Some insurers also pay some or all of the costs of disposing of the battery after an accident.

charging cable and wall box

Most of the tariffs specially adapted to electric cars are paid in case of theft of the charging cable or mobile charger. Some also replace a stolen charging card that can be used to charge the electric car at public charging points. It is similar with the wall box. Damage to it is also insured in many policies up to a certain amount. When it comes to protection, some deals differentiate between a mobile charger and a permanently installed wall box. If in doubt, check with your insurer.
Advice: Wallboxes that are permanently attached to the house are often automatically insured as part of the building by residential buildings insurance.

operator error

Damage caused by malfunctions can cripple electronics or damage the battery. Therefore, it is useful that operating errors are also insured at the rate. This is usually done through “all-risk” coverage in an all-risk insurance; this means that the term “operating error” does not necessarily appear in the conditions. Some insurers pay damages up to a sum of 5,000 euros, others cover costs of up to 20,000 euros or more.

animal bite

It can be costly when martens bite or chew on wires. It is important that indirect damages are also insured through partial all-risk insurance. The services of the market rates range from 3,000 euros to 20,000 euros. Some even run “no hard limit,” which generally means that the car’s replacement value represents the performance limit.

letter of protection

A letter of protection can be especially important for pure electric cars and, if necessary, provide roadside assistance if your pure electric car breaks down with a dead battery. Then, for example, the trailer to the nearest charging station is included.


It is not a special service, but: Many insurers grant a discount of up to 25 percent on the insurance premium if the rate for an electric car (in some cases also for a plug-in hybrid) is contracted.

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