Full electric car cover,
with the same great service

  • Battery cover – whether leased or owned
  • Damage to or theft of charging cables
  • Accidental damage to charging point
  • Liability cover for damage or accidents

Why choose John Lewis for your Electric Car Insurance?

Insure for the future with one of the UK’s most established names. At John Lewis, we include electric vehicles in our comprehensive Car Insurance – rated 5-star by defaqto.

The UK government has pledged to ban the sale of new petrol and diesel vehicles from 2030. That’s why, we now cover a range of electric vehicles and hybrids as part of your standard cover.

It’s quick and simple to arrange cover. And if you need to make a claim, our UK call centre is available 24 hours a day.

What’s more, we reward safe driving with a No Claims Bonus of up to 9 years.

Terms and conditions apply.

What’s included in Electric Car Insurance?

Electric cars are powered at the plug socket rather than the fuel pump. So, we provide the following specialist features as standard:

Cover for charging cables and accessories in case of theft or accidental damage.

Battery cover in case of theft or accidental damage. 

Replacement or repair of your charging point if lost or damaged.

Courtesy electric car while your own vehicle is being repaired (subject to availability).

Personal Liability Cover in cases of death or injury to others or damage to their property.

In addition, we also provide these standard covers:

Personal injury cover up to £10,000 if you or your spouse or civil partner are seriously injured in an accident

Up to £500 towards travel costs or a hotel so you can complete your journey after you’re involved in an accident.

New car replacement if your own vehicle is less than 12 months old and is written off or stolen and not recovered.

Uninsured driver protection - your no claims discount won’t be affected and you won’t have to pay your excess.

180 days European cover each year.

Guaranteed repairs including windscreens by our approved repairer network.

Protected no claims bonus is available as an add-on, but is not included as standard.

Changing from petrol to electric?

Our comprehensive insurance package covers electric vehicles as well as petrol and diesel vehicles (sometimes referred to as ICE vehicles).

So, if you’re going green and making the change to electric, it’s simple to switch over your cover to your new vehicle.

Cars we love to cover

A full transition to electric vehicles is a primary goal of the UK government. This is expected to be completed by 2032.

The UK is currently expanding the infrastructure that provides access to charging points. Meanwhile, manufacturers are also making electric vehicles more affordable.

Here are some of the electric car models that we currently cover:

Audi A3 e-Tron e-Tron Q4 e-Tron  
BMW i3 i4 eDrive 40 iX Xdrive iX3
Citroen C_Zero E-Berlingo e-C4  
Cupra Born      
DS DS3      
Fiat 500 Electric      
Genesis GV60      
Honda E
Hyundai Ioniq 5 Ioniq EV Kona EV  
Jaguar I-Pace
Kia EV6 Niro EV Soul EV  
Mazda MX-30
Mercedes B-Class Electric B250E EQA EQB
MINI Cooper S Electric      
Nissan Ariya Advance E-NV200 Leaf  
Peugeot 208 EV 2008 EV E-Rifter ION
Partner Tepee Electric E-2008    
Renault Fluence Kangoo Maxi ZE Megane E ZOE
Seat Mii Electric      
Skoda Citigo E Enyaq IV    
Smart EQ Fortwo Electric Fortwo EV Forfour Electric
Ssangyong Korando Emotion      
Tesla 3      
Vauxhall Combo E-Life Corsa E Mokka E  
Volkswagen E-Golf E-UP! ID 3 ID 4
ID 5      
Volvo C40 Recharge XC40 EV    

† “The UK’s transition to electric vehicles.” A report by Terri Wills for the Climate Change Committee.

Enhance your cover with these optional add-ons

Get peace of mind with up to £100,000 towards legal costs and expenses for any accident that wasn’t your fault.

Choose from four levels of Breakdown Cover provided by the RAC, to help you get back on the road when you most need to.

If you have 4 or more years' no-claims bonus, we'll give you the opportunity to protect it.*

Frequently asked questions

No. Your electric car is covered under your comprehensive insurance policy.

Several factors contribute to the assessment of an electric car premium. The driver's age, occupation, driving experience and claims history all count. Also important are the vehicle type, its usage and the cost and availability of spare parts.  

Generally, insurance costs more because electric cars tend to be more expensive to buy and repair. But these factors are levelling out as we see more and more of them on our streets.

Yes. Our policy covers your battery even when it’s leased separately from your car, providing there is no evidence of misuse.


  •  Misuse of the car battery or charging cables.

  •  The repair or replacement of a non-functional battery, faulty charging cable or damaged charging point.

  •  Theft, fire, accidental or malicious damage to any charging point away from your home address.

  •  Liability for the death of, or injury to others, where no action was taken to safeguard the charging cable to prevent such death or injury.

  •  Liability for damage to the property of others where no action was taken to safeguard the charging cable to prevent such property damage.


One place you could check is Zap Map at: https://www.zap-map.com/

A guide to electric vehicles

Why choose an electric vehicle?

As well as offering lower running costs, EVs are better for the environment. That’s because they are not reliant on fossil fuels. Also, as you may know, the UK government intends to ban sales of new petrol and diesel cars from 2030 (and new hybrids from 2035).

How do electric vehicles work?

EVs have motors powered by rechargeable batteries instead of fossil fuels. Recharging is done by using a charging cable to connect them to a charging point. Drivers can use one at their home or use one of a national network of public charging stations. It can take anything from 30 minutes to several hours to reach full charge.

How much does it cost to recharge an electric car?

Costs vary and the biggest factor is battery size. When charged at home the amount is simply added to the driver’s energy bills. Some public charging stations require payment, but others are free. Rapid charging usually costs more.

Are electric vehicles tax-free?

Zero emission electric vehicles are zero-rated. That means there’s no road tax to pay on a pure electric vehicle. For these vehicles you'll still get a tax reminder each year, and you must still follow all the instructions on the reminder. You just won’t be asked to pay anything when you do so.

Plug-in hybrid vehicles pay a small amount which reflects their low emissions.

Are there any other practical differences to watch out for?

Take great care when charging your electric car. Sometimes you will need to connect the charging cable for an extended period of time. This could cause a trip hazard, leading to claims for negligence and personal injury. 

So, you must take every precaution to prevent such accidents. Do not leave the cable dangling, or off the ground. Place it under cable trunking or some other heavy covering to ensure it stays on the ground and is safe for others.

Not yet covered by
John Lewis Car Insurance?

Call us on 0330 024 0614 for more information on our car insurance policies, or get an online quote.

*If you have 4 or more years' no claims bonus, you can make up to 2 fault claims in a 3 year period without your no claims bonus being affected. However no claims bonus protection does not protect the overall price of your policy and the price of your policy may increase following an accident even if you weren't at fault.

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc. John Lewis plc is an appointed representative (registration no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (no. 613259).

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