Charge ahead with Rias Car Insurance

Electric car insurance is insurance for electric and hybrid cars.

With Rias Car Insurance, you'll get comprehensive cover for electric or hybrid driving. This includes cover for your battery and charging cable, as well as the benefits you'd expect from car insurance.

No. You don't need a special type of insurance just because your car is electric.

Rias comprehensive car insurance includes cover for electric cars, including your battery and charging equipment.

For full details, please check the policy documents.

The price of your insurance will depend on things like:

• The type of car you drive
• How much your car is worth
• Where you live
• Where you keep your car
• How you use your car
• The level of cover you choose
• Your driving history

Every driver is different, so every quote is different too.

Sometimes.

Electric cars can cost more to repair or replace than some petrol or diesel cars. This can make insurance more expensive.

But the cost of your insurance depends on many things, including you, your car and where you live.

How can I lower the cost of my insurance?

You may be able to save money by:

• Paying once a year instead of monthly

• Choosing a higher voluntary excess could lower your premium.

Just remember, you'll need to pay this amount towards a claim.

• Improving your car's security
• Picking a car in a lower insurance group
• Choosing only the cover you need

Yes.

Rias comprehensive car insurance covers your battery if it is:

• Damaged by accident
• Damaged by fire
• Stolen
• Lost

It does not cover a battery that wears out over time or stops working normally.

If you add optional RAC Breakdown cover, to your Rias Car Insurance, then help is available if your car runs out of charge.

The RAC will take your car to the nearest charging point so you can get moving again.

There are some things your insurance won't cover.

• Charging equipment used the wrong way
• We may not cover a claim if a charging cable is used unsafely or not used as the manufacturer says.
• Missing important software updates
• You should install important safety and security updates from your car's manufacturer.
• Mechanical or electrical problems
• Running out of battery power or a mechanical fault isn't covered unless you have breakdown cover.
• Using equipment unsafely
• You should always use charging cables, tow bars and other equipment as the manufacturer recommends.
• Certain cyber-related incidents may not be covered – please refer to the policy wording for full details.

Claims may not be covered if important software or security updates have not been installed.

Please check your policy documents for full details.

Electric vehicles may be subject to vehicle tax depending on the rules in force at the time.

This rule started in April 2025. For the latest information, please check the GOV.UK website.

Electric cars can offer lots of benefits, including:

• Lower day-to-day running costs
• No exhaust emissions while driving
• Fewer parts to maintain
• No oil changes
• No spark plugs or timing belts
• Less wear on brake pads thanks to regenerative braking
• Lower servicing costs in some cases

You may also be able to get government grants or incentives, depending on the schemes available at the time.

• Courtesy cars
  If your car is being repaired, we may not always have an electric courtesy car available.
  
  If we don't, we'll try to provide a suitable alternative, such as a hybrid, petrol or diesel car.
  
  

• Charging equipment
  Always use charging cables and equipment as the manufacturer advises.
  
  

• Driver assistance features
  Features such as lane-keeping systems can help when driving, but you should always stay in control of your car and pay attention to the road.