Welcome to Electric Road’s ‘Top 5 Insurers Autumn 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 2,500 Top 5 EV Surveys received up to and including 30th September, Electric Road 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 owner feedback from Electric Road.
Top 5 Insurers
1. Quotemehappy.com
Quotemehappy.com are our new winners of the ‘Top 5 Insurers Autumn 2022’. Customers are loving the low prices & additional services they offer.
About Quotemehappy.com
We think insurance should be simple, reliable and easy to manage.
- Flexible online access – we offer reliable insurance that you can buy and manage completely online to make it easy for you
- Compare online, buy online – most of our customers reach us from GoCompare, Moneysupermarket, Confused.com or Compare The Market so you may already be used to the convenience of being online
- Manage your own policy – no call centres – our customers manage their policies totally online from quote, to purchase, to changing their car or address and renewing. Simply print out your own documents in minutes.
- Got a query? E-mail us – we don’t have a phone line for support queries.
- Need to claim? That’s different. When you’ve had an accident you want help from a person who understands, as soon as it happens – day or night. We offer a 24/7 dedicated line for new claims.
(as published on their website, December 2022)
Here’s what some of our owners say about Quotemehappy.com:
‘…yes, good prices, easy and free to make changes yourself. They seem good to deal with when things go wrong too.’
Tesla Model 3 SR+ 2020, Nickie Redshaw. Read the full Owner Review here
‘Quotemehappy.com – £270 pa!’
Jaguar I-PACE S 2018, Graham P. Read the full Owner Review here
‘would recommend as no cost to add drivers or change number plate etc.’
Skoda ENYAQ iV 60 2021, Dan. Read the full Owner Review here
Are you seriously considering your first or next EV? Then visit Electric Road’s CAR FINDER to get the right car for you!
2. NFU
About NFU Mutual
What’s included:
- Mutual Assist breakdown cover provided by the RAC (i)
- RAC EV Boost: 10-mile boost at the roadside to get you to the nearest charging point
- Battery cover: Whether leased or owned, cover against accidental damage, fire and theft (ii)
- Charging cables, chargers and home wall boxes, and adapters: all covered in the event of insured damage plus protection should someone trip over the cables and you are at fault. (iii)
- Lifetime guarantee on repairs: British Standard accredited bodyshops, plus use of manufacturer repairers when required, for as long as you own the vehicle, when you use the recommended repairer scheme. (iv)
- No Claims Discount protected if you’re hit by an uninsured driver and no excess to pay (v)
- New car replacement: if you purchase a UK model from new and it’s less than two years old when it’s stolen or written off. A whole year longer than many other insurers.
- Motor Legal Protection: giving you access to legal advice and covering legal costs up to £100,000.
- Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen.
(i) Excludes motorhomes, campervans and any vehicle with a gross weight of 3500kg or over or a length greater than 5.5 metres
(ii) Cover of leased batteries subject to acceptance
(iii) Vehicle chargers and cables must be of your car’s manufacturer specification and/or professionally installed and maintained at your home
(iv) This includes lifetime guarantee on paintwork and manufacturers guarantee on parts
(v) You must advise us of the uninsured driver’s details, make, model and registration of the vehicle and details of any independent witnesses. We will deduct excesses and reduce no claims discount until satisfied the uninsured driver is at fault.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important documents section.
(as published on their website, December 2022)
Here’s what some of our owners say about NFU Mutual:
‘I have used them for years and I like them.’
Mercedes-Benz EQC 400 4MATIC 85kWh 2022, David Andrews. Read the full Owner Review here
‘NFU Mutual – reasonably priced. Never had to claim but I think they will be alright to deal with.’
Audi e-tron 55 quattro 2022, Bob. Read the full Owner Review here
‘NFU Mutual – I’ve been with them for over a decade. Pricing is reasonable and they pay up when you need to claim. They also include free breakdown cover for any vehicle up to 10 years old.’
KIA EV6 GT Line S AWD 2022, Rick O. Read the full Owner Review here
Are you seriously considering your first or next EV? Then visit Electric Road’s CAR FINDER to get the right car for you!
3. Tesco
About Tesco
Here at Tesco Bank we have some great benefits for drivers of electric cars:
- Get a guaranteed discount if you’re a Clubcard member. All you need to do is tell us your Clubcard number when you get a quote.
- EV/Hybrid benefits such as cover for charging cables, batteries, and spare parts
- Optional extras for an additional cost, like breakdown cover underwritten by RAC Insurance Limited
- A range of standard features covering accidental injury loss or damage
- Round-the-clock assistance from our UK team.
All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our car insurance policy booklets. See our policy booklets
(as published on their website, December 2022)
Here’s what some of our owners say about Tesco:
‘yes, would recommend, actually got a refund when changed car.’
Volkswagen ID.4 2021, Tel. Read the full Owner Review here
‘Tesco – yes, it was easy to sort.’
Vauxhall Mokka-e 2021, Andrea. Read the full Owner Review here
‘Tesco – cheap rates…’
MG ZS EV Exclusive 2021, Lee J. Read the full Owner Review here
Are you seriously considering your first or next EV? Then visit Electric Road’s CAR FINDER to get the right car for you!
4. LV=
About LV=
Here’s what’s included as standard:
- Recovery to the nearest chargepoint 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 everytime you upgrade.
- Plus, you’ll enjoy lifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)
(as published on their website, December 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
Are you seriously considering your first or next EV? Then visit Electric Road’s CAR FINDER to get the right car for you!
5. Saga
About Saga
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.
- 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
- Liability – We’ll cover any claim against you if someone trips over your charging cable and injures themselves
- 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
- 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.
(as published on their website, December 2022)
Here’s what some of our owners say about Saga:
‘Saga insurance which is competitive and provides excellent cover.’
Hyundai Kona Electric 64kWh 2020, Gary. Read the full Owner Review here
‘Saga – Great company with support, £259.’
Skoda ENYAQ iV 60 Suite 2021, Mr G. Read the full Owner Review here
‘good rate linked with other vehicles we own.’
Ford Mustang Mach-E AWD 2021, Ali Barber. Read the full Owner Review here
Are you seriously considering your first or next EV? Then visit Electric Road’s CAR FINDER to get the right car for you!