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Get ready to build a greener future with electric car insurance.

Your guide to electric cars and insurance

A ban on the sale of new cars powered solely by petrol or diesel after 2030 means that soon you may want to start thinking about taking an electric car for a spin. Here’s what you need to know about car insurance for electric cars.

Are electric cars cheaper to insure?

Generally speaking, electric car insurance costs tend to be slightly higher than petrol or diesel cars, simply because they are currently more expensive to repair. However, as electric cars become more common repair costs will inevitably decline, so this should mean the price of electric car insurance will too in the future.

Alternatively, hybrid car insurance premiums tend to be more competitive as they combine electric motors with a petrol or diesel engine and are more common than full electric cars.

Does Saga offer electric car insurance?

If you’re looking for an electric vehicle policy, we offer car insurance for a variety of electric cars for people over 50.

Electric cars are covered with our Comprehensive car insurance and you can choose either the Saga Plus, Saga Select or Saga Standard cover level.

What does Saga's electric car insurance cover?

Saga Plus, Saga Select and Saga Standard all cover you for:

  • NEW Battery recharge - If your electric car is immobile because it’s run out of charge while you’re driving in the UK and you don’t have any valid breakdown cover, we’ll send the RAC. They’ll give your car a boost so you can get to the nearest electric vehicle charge point. Or they can arrange for you, your passengers and your car to be taken to the nearest electric vehicle charge point, or to your home, whichever is closer.

  • Over the air updates (OTA) - All manufacturer approved software updates and settings installed wirelessly such as functionality, performance and safety updates are covered as standard.

  • Battery cover - We'll replace your battery if it's damaged as a result of an accident or fire.

  • Charging equipment - We'll repair or replace your charging cable and any adapters if they're damaged by fire, theft or accidental damage.

  • Two years' new for old cover - If you've owned your electric car from new, and it's up to a year old, we'll replace it with a brand new one if it's written off. Vehicles between one and two years old are covered up to 12,000 miles.

  • Liability - We'll cover any claim against you if someone trips over your charging cable and injures themselves.

If you're an existing Saga Car Insurance customer, find out how to make a claim for your electric car.

Who are Saga's car insurance policies underwritten by?

Saga’s car insurance policies, exclusively for people over 50, are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that provide high standards of quality and service.

Can we cover your EV?

  1. Enter your car's registration number
  2. Click 'Get a quote' to start your quote and see what cover we can offer

Get started

Enter your car's registration plate to get started


The difference between electric and hybrid cars

What is an electric car?

  • An electric car is powered by one or more electric motors that run on rechargeable batteries.

  • Most electric cars use a single gear, so it feels like you’re driving an automatic car.

  • You can charge electric cars at public charging sites or get a special wall charger installed at home.

  • They can drive for around 100-300 miles before they need re-charging.

  • Electric vehicles are much more eco-friendly as no tailpipe means no exhaust gases.

  • Electric cars don’t release emissions so owners don’t pay tax or congestion charges.

  • Most electric car brands offer an 8-year (or 100,000 mile) warranty on the batteries.

What is a hybrid car?

  • Hybrid cars have a fuel engine that does most of the work but they also partially run on an electric motor.

  • Conventional hybrid cars charge as you drive them and chargeable hybrid cars need to be charged at home or at a charging site.

  • Both types of hybrid car use the energy from braking to help recharge the cars batteries.

  • Hybrid car batteries last on average between 80,000 and 100,000 miles.

  • You will still need to fill your car up with petrol or diesel.

  • Hybrid engines emit around 15-30% of the emissions of traditional petrol and diesel cars.

  • Hybrids emitting less than 75g/km of CO2 are exempt from congestion charges.

Are electric cars more expensive?

The upfront cost of an electric car is more than a petrol or diesel vehicle as they’re high in demand, low in supply and use more expensive technology. But there are many financing and leasing deals available to help spread the cost.

Remember, you will need to factor in the price of charging at home. Many electricity providers do offer special tariffs for electric car owners but the final cost will depend on the car you’ve chosen.

  • It can cost around £15.10 to fully charge an electric car at home. Based on a typical electric car with a 60kWh battery, calculated at 28p/kWh.
  • You can often find public charging points at supermarkets that are free to use while you shop and at car parks that are free, subject to parking charges.
  • Rapid charging points at motorway service stations normally cost £6.50 for 30 minutes.

Are electric cars less maintenance?

Electric cars don’t need things like oil or timing belt changes so they generally require less maintenance, are more reliable, and won’t need as many repairs. This is also good news for your wallet, as it keeps the costs of having an electric car down.

But like with any vehicle, there are still things that could go wrong, such as punctures or battery issues and you may still need to maintain things like brake fluid, air conditioning, and the cabin air filter.

Defaqto 5 star rated car insurance 2013-2024

Defaqto 5 Star rated car insurance

We are proud to offer five-star treatment every day with Saga Car Insurance – Defaqto 5 Star rated every year since 2013.

What are the benefits of owning an electric car?

The technology may be more expensive but you may find that the perks of going greener help balance out any extra costs. Just some of the benefits of electric cars include:

  • Zero emissions – an electric car doesn’t produce any exhaust emissions because they don’t have traditional fuel engines.
  • Buying incentives – the government offer a plug-in car grant that gives you up to £1,500 off the price of a brand-new electric car, for eligible cars that cost less than £32,000 (RRP).
  • Maintenance savings – while you'll still need to maintain common parts like tyres, brakes and wipers, electric cars don’t need oil changes or other services and have significantly fewer moving parts so they could end up being cheaper to maintain.
  • Tax benefits – as electric cars don’t pay road tax, you could save at least £140 a year compared to cars that run on fuel.

How many types of electric car are there?

Any car run off electricity is often referred to as an EV. But there are quite a few other acronyms to describe the range of different electric and hybrid vehicles. Here are the ones you might see:

  • Battery electric vehicle (BEV) – has electric car motor powered by rechargeable batteries instead of a fuel tank – an electric car in its purest form.
  • Mild hybrid electric vehicle (MHEV) – run mainly off fuel with a small battery pack to give an acceleration boost.
  • Plug-in Hybrid (PHEV) – uses rechargeable batteries to power an electric motor and fuel to power an engine.
  • Hydrogen vehicle (FCEV) – hydrogen mixes with oxygen to create electricity used to power the vehicle. Emits only water from the exhaust.
  • Range-extended electric vehicle (RE-EV) – uses a small fuel engine to produce electricity to recharge the batteries, letting you travel further once the batteries have run out.
  • Hybrid (HEV) – self-charging cars powered by a fuel engine that also run on a small electric battery.
Electric car insurance FAQs
Does electric car insurance cover breakdowns?

Saga Breakdown Assistance is available as an additional option with Saga electric car insurance. It offers reliable UK-wide breakdown assistance 24 hours a day, 365 days a year, and it has a range of different cover levels.

If you run out of charge when you are out on a journey, we’ll provide a 10 mile roadside boost to get you to the nearest charge point.

Saga Breakdown Assistance is provided by the RAC, the UK's number one electric vehicle breakdown provider, who are well equipped to support the different needs of electric vehicles.

Find out more about Saga Breakdown Assistance.

How do I change my existing policy for my petrol car into electric car insurance?

Transferring a policy over from a traditional combustion engine car to an electric car is simple with MySaga. When you have the details for your new car, you’ll need to provide the following information to transfer:

  • Car reg number
  • Make/Model/Description
  • Engine size (cc)
  • Year of manufacture
  • Vehicle value
  • Any modifications
  • Where the vehicle is kept overnight.

You can review the level of cover you need, and make sure the annual mileage is still up-to-date for your needs.

Based on the details you provide to MySaga, the price of your insurance may change but we won’t charge an admin fee for the changes.

What is electric car insurance excess?

An excess is the amount of money you’re required to pay when you make a claim on your car insurance. Whether your car is electric or not, you will have an excess amount indicated when you take out your policy. You’ll find the details about your electric car insurance excesses in your policy Schedule.

The excess is made up of:

  • A voluntary excess chosen by you when getting a quote
  • A compulsory excess that Saga will set, and that varies according to your policy details
What levels of electric car insurance are there?

Electric car insurance falls into the same categories as petrol and diesel cars. There are three different types:

  • Third Party covers damage to another car, property or person involved in an accident, but doesn’t cover damage to your car.
  • Third Party, Fire and Theft As well as Third Party, this includes cover for fire or theft of your car.
  • Comprehensive covers damage to both your car and its passengers, and other vehicles and their passengers involved in an accident. It provides cover for belongings left inside your car, acts of vandalism, and may offer a courtesy car if yours can’t be used because of accidental damage.

To drive your electric car legally on UK roads you’ll need at least Third Party insurance. Find out how much electric car insurance will cost you by getting a quote online.

What optional extras are available with electric car insurance?

Saga Car Insurance offers a full range of optional extras with electric car insurance:

  • Saga Breakdown Assistance can be added to your policy at a discounted rate.
  • Legal Protection comes as standard with Saga Plus, and can be added to Saga Select and Saga Standard as an optional extra.
  • Replacement car extension for if your car is stolen or written off. This is an addition to the standard replacement car cover in our Comprehensive policies for an approved repair following an accident in the UK.
  • Increased Personal Accident extends our standard cover for serious injuries or accidental death from £5,000 up to £150,000 per person.
  • Key Protection is standard with Saga Plus and an optional extra for Saga Select and Saga Standard. It covers claims up to £2,500 per year without having to pay an excess or affect your No Claim Discount.

Find out more about our additional cover options.