Welcome to Electric Road’s ‘Top 5 Insurers’ Summer 2022.
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 insurance policy is naturally very important to all electric car owners.
Owner Ratings
Based on the 5-bolt rating system from over 1,800 Owner Reviews received up to and including 30th June, Electric Road (ER) has extracted the top 5 highest-rated insurers. Within the review forms, all owners have to provide a bolt rating out of 5 on their current insurer. We’ve then worked out the average rating for each company.
We hope this summary of EV owners’ opinions will help you make the right decision when the time comes to consider your next insurance policy. The Top 5 Insurers will be updated each quarter ensuring you have the latest trends from the ER audience.
Top 5 Insurers
1. LV=
LV= are once again our most highly-rated insurer for Summer 2022 with many of our owners liking their EV benefits.
About LV=
LV= EV insurance includes as standard:
- Recovery to the nearest charge point if you run out of charge in the UK. We also have a fleet of vehicles we 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 us, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, we’ll need to know. You’ll only need to tell us once and not every time you upgrade.
- 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)
- And if you choose our optional hire car cover: we’ll provide the use of an electric or hybrid hire car if your green machine is off the road.
(as published on their website, July 2022)
Here’s what some of our owners say about LV=:
‘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
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2. Direct Line
About Direct Line
Direct Line’s electric car insurance – new offer:
‘We’ve partnered with Zoom EV to offer all new car insurance customers and those renewing their policy from the 8th of June a free bundle of discounts. The Zoom EV bundle includes discounts on home and public charging and discounts on parking.
The world is making the move to hybrid and electric vehicles, and we want to make the transition to plug-in vehicles as smooth as possible. The bundle is designed for hybrid and electric vehicle owners, but is available to anyone who buys or renews a Direct Line car insurance policy during the eligible dates.
The free Zoom EV bundle is available to new customers until 31 October 2022 (including customers who bought a policy from 28 October 2021 onwards) or customers renewing their policy from 8 June 2022 to 31 October 2022. Zoom EV provides each bundle for 12 months (one year) from when you create and activate a valid Zoom EV account.
(as published on their website, July 2022)
Here’s what some of our owners say about Direct Line:
‘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
Win your dream electric car here with Best of the Best (BOTB)!
3. Aviva
About Aviva
Comprehensive car insurance – what’s included:
- Loss or damage to your vehicle or battery – cover if your vehicle is lost, stolen or damaged, including if your battery is damaged or stolen
- Your liability – cover if you injure someone or damage their vehicle or property in an accident
- Uninsured driver cover – if you’re in an accident with an uninsured driver that wasn’t your fault (1)
- Vehicle recovery – we’ll make your vehicle roadworthy with roadside repairs or cover up to £150 for accommodation or public transport
- Driving other cars – cover for driving someone else’s car (if you’re aged 25 or over) (2)
- Motor injury protection – cover for you, your partner and named drivers if you’re killed or injured in a car accident.
Notes:
1 You’ll need to provide us with details of the other vehicle and driver. This only applies to comprehensive motor insurance.
2 Only applies if the vehicle policyholder has Comprehensive cover, is aged 25 or over and the motor insurance certificate indicates that the vehicle policyholder can drive such a vehicle. The cover provided while driving other cars is Third Party only.
(as published on their website, July 2022)
Here’s what some of our owners say about Aviva:
‘I would recommend them from my experiences.’
Vauxhall Mokka-e 50kWh 2022, Martin. Read the full Owner Review here
‘Best price with a reliable, established firm.’
Vauxhall Mokka-e 50kWh 2022, Martin. Read the full Owner Review here
‘Aviva, brilliant service and price!’
MINI Electric Level 3 2021, Matt. Read the full Owner Review here
Sign-up to Electric Road now to receive a FREE ‘Guide to the Best Electric Cars’, a weekly Newsletter and to win some great prizes!
4. Churchill
About Churchill
Churchill EV insurance includes:
- 24-hour emergency helpline, so you can call us day or night
- Repairs guaranteed for 5 years if you use our approved repairer
- Courtesy car as standard with comprehensive cover, while your car is being repaired by our 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, July 2022)
Here’s what some of our owners say about Churchill:
‘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
Win your dream electric car here with Best of the Best (BOTB)!
5. Admiral
About Admiral
Our comprehensive electric car insurance (excluding Essential tier) is crammed with these great 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, we’ll pay up to £150 to help you replace them
- Comprehensive and third party, fire & theft customers can call if they have an incident and we’re liable for the damage
- Insure a second car with us and, in most cases, we’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, July 2022)
Here’s what some of our owners say about Admiral:
‘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
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