Recommended insurance for electric and plug-in hybrid cars in 2025: a guide to the benefits

In 2025, electric car (EV) and plug-in hybrid (PHEV) insurance continues to evolve, responding to the specific needs of electric vehicle owners. These vehicles, increasingly popular due to growing environmental awareness and tax incentives, require policies that cover the unique features of technology and batteries.

In this guide, we will explore the most recommended insurances, the benefits related to these policies, and how to choose the best coverage for your vehicle.

1. Advantages of having EV and PHEV insurance in 2025

Battery coverage

The battery is one of the most expensive and crucial components in an electric or plug-in hybrid vehicle. Most insurance policies offer specific coverage for battery damage. Some companies also extend coverage for issues related to the charging technology.

Advanced roadside assistance

EVs and PHEVs require specialized roadside assistance. Modern policies for these vehicles usually include a roadside assistance service that covers vehicle recovery in case of battery depletion, as well as transportation to a charging station.

Insurance premium savings

Many insurance companies offer discounts or reduced premiums for low-emission vehicles. This often occurs thanks to tax benefits and incentives for adopting eco-friendly vehicles. Policies for EVs and PHEVs also tend to be more competitive compared to those for traditional combustion vehicles.

Coverage for electrical damage and failures

Electric and plug-in hybrid vehicles have complex systems, including electric motors and charging circuits. Some insurance companies offer specific coverage against failures or damage to electric components and charging systems.

Eco-friendly incentives

Insurance for eco-friendly vehicles often includes incentives or concessions for owners of electric or plug-in hybrid cars. Some countries and companies offer eco-bonuses that reduce the cost of insurance.

2. Types of insurance for electric and plug-in hybrid vehicles in 2025

a) Liability Insurance

This is the minimum mandatory coverage in most countries. It covers damages caused to third parties but not damages to the vehicle itself or its components. It is suitable for those who own an eco-friendly car and desire basic coverage.

b) Comprehensive Insurance

Comprehensive insurance offers complete protection, covering damages to your vehicle in case of accidents, theft, vandalism, or damage due to natural events. For electric and hybrid cars, it is advisable to include coverage for battery damage and electrical components.

c) Theft and Fire Insurance

This policy covers the theft and fire of the vehicle, and is particularly useful for electric and plug-in hybrid cars, which may be at risk of battery theft or valuable technological components.

d) Roadside Assistance Insurance

Many electric vehicle owners prefer to have coverage that includes roadside assistance specific for electrical failures or the need for charging, especially when traveling in areas with fewer charging infrastructure.

e) Battery Damage Insurance

Many insurances for EVs and PHEVs offer specific policies that cover battery damage, a critical and costly component. This type of coverage is essential because the battery can be damaged due to wear, failures, or accidents.

3. Considerations for insurance for electric and plug-in hybrid vehicles

• Higher prices: Electric and plug-in hybrid cars may incur a higher insurance cost, mainly due to the expensive battery and advanced technologies. However, some companies offer discounts for eco-friendly vehicles.

• Battery coverage: It is crucial to ensure that the policy adequately covers the battery, as its replacement can be costly. Make sure the policy includes coverage for accidental damage, wear, and failures.

• Eco-friendly insurance: Some companies offer incentives or discounted premiums for electric and plug-in hybrid vehicles as part of their environmental policies.

  
  

The conditions, deductibles, and incentives may vary based on the regulations in your European country. We recommend checking local legislation to maximize benefits.

In 2025, choosing the right insurance for your electric or plug-in hybrid vehicle is crucial to protecting a significant investment and ensuring the vehicle is covered against specific damages. Insurance companies are evolving to meet the unique needs of these vehicles, offering policies that cover batteries, electrical failures, and specialized roadside assistance. Don’t forget to consider eco-friendly incentives and customizable policies to get the best value possible for your eco-friendly vehicle.