Top 5 Insurers – Spring 2022

Welcome to Electric Road’s all-new ‘Top 5 Insurers’.

At Electric Road, our key objective is to be as useful as we possibly can be for those considering their first/next electric car and related products & services. Finding the right policy is naturally very important to all electric car owners.

Owner Ratings

Based on the hundreds of Owner Reviews we receive each month, we have extracted the top 5 highest-rated insurers based on our new owner ratings system. From January 1st onwards, all owners have to provide a bolt rating out of 5 on their current insurer within their review. We’ve then worked out the average rating for each insurance company as indicated below with the Top 5.

We hope this summary of EV owners’ opinions will help you make the right decision when the time comes to purchase your next policy/policies. The Top 5 Insurers will be updated each quarter ensuring you have the latest trends from the Electric Road audience.

Top 5 Insurers

LV (4.50)
Direct Line (4.47)
esure (4.43)
Churchill (4.14)
Admiral (4.08)

1. LV

LV are our most highly-rated insurer for Spring 2022 with many of our owners liking their EV benefits.

LV EV insurance includes as standard:

Recovery to the nearest charge point if you run out of charge in the UK. LV also has a fleet of vehicles they use in partnership with AFF, the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again. This won’t affect your NCD and there’s no excess to pay.
Cover for charging cables, wall boxes and adaptors for accidental damage, fire and theft
Battery cover for accidental damage, fire and theft, even if you’re leasing it separately from the car
Over the air monthly updates (OTA) are covered as standard when you insure your electric vehicle with LV, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, LV will need to know
Plus, you’ll enjoy lifetime guarantee on repairs (when using LV’s recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)
The use of an electric or hybrid hire car.

(as published on their website, April 2022)

Here’s what some of our owners say about LV insurance:

‘LV – existing insurer, no real change in cost when switching to EV. Policy also includes cover for recovery to a charger if you run out and also covers your home charging point.’

Skoda ENYAQ iV 80x 2022, Marc Davison. Read the full Owner Review here

‘LV Insurance – they cover ‘out of charge’, not that I’ve ever used it and hope not to.’

Nissan LEAF 40kWh Tekna 2019, Linda Christie. Read the full Owner Review here

‘LV – a great company.’

Polestar 2 Dual Motor Long Range Power Plus 2021, Allison. Read the full Owner Review here

Get car insurance quotes HERE from over 100 insurers!

2. Direct Line

Direct Line EV comprehensive insurance includes:

Your electric car’s battery, whether it’s leased or owned, is covered against theft or accidental damage. The cost of repairing or replacing the battery will be considered up to the write-off point of the vehicle.
Charging cables and your home charger are covered for accidental damage, fire and theft. You’ll also be covered should someone trip over the charge cable while charging your car at home or away from home.
If your electric car is being fixed by one of Direct Line’s approved repairers following a claim, they’ll get you a small hatchback to keep until it’s fixed. Alternatively, if you prefer to use your own garage or your car has been written off or stolen, you’ll still get a hire car for up to 21 days in a row.
If you’ve been involved in a crash and can’t drive your electric car because of it, Direct Line will get you a taxi so you can still complete your journey
Unlike some other insurers, you can claim and your No Claim Discount is safe with Direct Line if the damage is caused by: potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, hitting or being hit by an animal, or being hit by an object or debris (excluding vehicles).

(as published on their website, April 2022)

Here’s what some of our owners say about Direct Line insurance:

‘Direct Line – because we are both over 77 and it is difficult to find anyone else to insure 2 old fogeys.’

Skoda CITIGOe 2020, Pauline. Read the full Owner Review here

‘Direct Line – been with them for years and easy to deal with.’

MINI Electric Level 2 2020, Linda. Read the full Owner Review here

‘Direct Line – they include business class one insurance as standard.’

Nissan LEAF 30kWh 2013, Joanne Reynolds. Read the full Owner Review here

Get car insurance quotes HERE from over 100 insurers!

3. esure

esure EV insurance includes:

Battery Cover – If your battery is owned or leased, esure handle every part of your claim in the same way, to get you back on the road as soon as possible. Location of the battery pack varies between vehicles, however esure’s policy will cover any accidental damage caused to the battery.
Power Cable Cover – esure’s policy provides coverage for your electric charge cables whilst used in connection with charging your vehicle. This gives you piece of mind that this is insured along with any other vehicle accessories.
Range Anxiety? Running out of charge is a fear associated with ownership of an electric car, however through esure’s partners at RAC they can provide assistance. If you run out of charge, the RAC will take you and your vehicle to the closet charge point as part of the optional breakdown cover esure offer to enhance your cover.
Car Hire Cover – If your car is stolen and not recovered or esure agree with you that it is a total loss, you will get a similar type and sized hire car by the end of the next working day for up to 21 days whilst we sort out your claim. This includes electric and hybrid cars subject to availability.

(as published on their website, April 2022)

Here’s what some of our owners say about esure insurance:

‘esure – they had the best price & I’ve never had any issues with them.’

Renault Twizy 2012, Simon Upton-Millard. Read the full Owner Review here

‘I’m with esure. I usually shop around and switch each year but they have been the best value for the last 2 years.’

Nissan LEAF 24kWh Tekna 2015, Russ Harrison. Read the full Owner Review here

‘Mine is insured with Esure as my last insurer didn’t insure EVs. Worked out fine as my premium went down by £90 going to Esure!’

Renault Zoe ZE50 GT Line 2021, Giles. Read the full Owner Review here

Get car insurance quotes HERE from over 100 insurers!

4. Churchill

Churchill EV insurance includes:

24-hour emergency helpline, so you can call Churchill day or night
Repairs guaranteed for 5 years if you use Churchill’s approved repairer
Courtesy car as standard, with comprehensive cover, while your car is being repaired by their approved repairer
Choose between a replacement, upgrade or the money when your car is written off
If your car’s vandalised, you’ll keep your No Claim Discount.

(as published on their website, April 2022)

Here’s what some of our owners say about Churchill insurance:

‘Churchill – would recommend, competitive rates.’

Ford Mustang Mach-E ER AWD 2021, Roy B. Read the full Owner Review here

‘Churchill – fantastic prices and cover personally…’

Tesla Model 3 Long Range 2019, Brian. Read the full Owner Review here

‘Churchill – good coverage, easy to get a quote and was very reasonable.’

Polestar 2 Dual Motor 78kWh 2021, Daniel C. Read the full Owner Review here

Get car insurance quotes HERE from over 100 insurers!

5. Admiral

Admiral EV comprehensive electric car insurance (excluding Essential tier) has these features and benefits as standard:

Get £5,000 of personal injury cover for you and your partner
If your personal belongings or effects are damaged or stolen while in your car, Admiral will pay up to £150 to help you replace them
Comprehensive and third party, fire & theft, customers can call if they have an incident and Admiral are liable for the damage
Insure a second car with Admiral and, in most cases, they’ll match your No Claims Bonus on that vehicle as well
Electric and hybrid car batteries are covered for accidental damage, fire and theft
Protects your electric vehicle or hybrid’s standard charging cables against accidental damage, fire and theft.

(as published on their website, April 2022)

Here’s what some of our owners say about Admiral insurance:

‘Admiral – …they offer good value & good service.’

Porsche Taycan 2020, James. Read the full Owner Review here

‘Admiral – they’re easy to talk to, know what they’re talking about and are always helpful. Our premiums have decreased every year since 2002 when we first took our insurance with them.’

BMW i3S 2022, Julia Cotto. Read the full Owner Review here

‘Admiral – I have a multiple policy for home & another car with them. Good price and customer service good so far.’

Tesla Model 3 Long Range 2021, Robert Prior. Read the full Owner Review here