Electric CAR INSURANCE
Standard or premier car insurance for electric vehicles, including hybrids
- Battery cover - whether your battery is leased or owned we'll cover accidental damage, fire and theft
- Cable cover - your charging cable is covered for accidental damage, fire and theft
- Guaranteed replacement car with premier cover
Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
Electric car battery and cable cover
Battery cover - whether your battery is leased or owned we’ll cover accidental damage, fire and theft.
Cable cover - your charging cable is covered for accidental damage, fire and theft.
Uninsured driver protection
You can recover the excess on your electric or hybrid car insurance if you’re hit by an uninsured driver, and your no claims discount won’t be affected. Full details including vehicle registration, the make/model of the vehicle; of the third party must be provided.
Personal claims manager
No matter the level of cover you choose, if you make a claim, it will be handled by your very own personal claims manager to help ensure everything runs smoothly, delivering the type of service you'd expect from M&S Bank. Footnote 1*
Guaranteed replacement car with premier cover
If your hybrid or electric car can’t be driven following an accident, fire or theft, we'll give you a hire car for up to 28 days (subject to eligibility), and then a courtesy car after that if required (subject to availability). **
Guaranteed replacement car cover options can be added to standard policies.
Personal accident cover - for peace of mind
If you or your spouse is injured in a car accident, you could claim up to £10,000 (comprehensive cover only). ***
£100,000 legal protection with premier cover
If you're in a car accident that's not your fault, your policy provides legal expenses to help you and your passengers claim for uninsured losses. Your legal fees will be taken care of, up to a limit of £100,000. There must be a reasonable chance of case success. ****
Breakdown cover included with premier cover
RAC European and UK breakdown cover is included, covering you even if you're a passenger in another car. Optional levels of breakdown cover can be added to standard policies (covers your vehicle only). The cost of parts, fuel or other supplies are excluded. *****
Driving abroad?
Going on holiday? With M&S Car Insurance, get up to 90 days’ cover, to the same level as your UK policy, whilst you are using the car within the countries referred to in your policy documents.
Quality repairs
If your car is damaged and you need to make a claim, arrangements will be made for it to go to a nationwide approved repair centre, with a 3 year guarantee on all replacement parts and repairs.
Footnote 1 * If M&S Car Insurance are dealing with your claim, your personal claims manager will be your main point of contact throughout. If your policy underwriter is dealing with your claim, your personal claims manager will be here for you if you need help.
**A hire vehicle will not be provided when a courtesy car is made available to you. We can’t guarantee your replacement will be an electric or hybrid vehicle.
***The insurer will only pay these amounts if the cause of death or injury is an accident involving a vehicle.
****There must be a reasonable chance of case success.
*****The costs of parts, fuel or other supplies are excluded.
Instant help
January - April offer T&C's
Q1 £50 voucher offer terms and conditions
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader
Important documents
M&S Car Insurance premier policy document
M&S Car Insurance standard policy document
M&S Car Insurance important information
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader
FAQs
Are all leased electric car batteries included?
Some leased electric car batteries are covered as part of an agreement with the battery lender meaning that it doesn’t need to be covered by your car insurance too. If your leased battery degrades, has a fault or suffers accidental damage, the lender may be the one who offers a replacement instead of your car insurance provider. Check the terms and conditions of your agreement with the battery lender to see what’s covered.
How do I make a claim for my hybrid or electric car?
If you need to make a claim, you should call 0344 412 2160 as soon as possible. The Claims team is here to help you 24 hours a day, 365 days a year. Make sure you've got your policy number to hand when you call.
Is my electric car covered for repairs?
If you need to make a claim, we'll arrange for it to go to one of our nationwide approved repair centres that are able to repair electric vehicles. As you'd expect, the work will be carried out to our high standards - we'll even provide a 3 year guarantee.
Thinking about buying an electric car?
Learn the financial, practical and performance considerations when owning a electric car.
Premier or standard electric car insurance cover?
Choose the right level of cover for your hybrid or electric car. We include battery cover† and cable cover as standard.
Premier cover
With premier cover for your electric car you get additional benefits up to £478Footnote 4††
These include:
- European and UK breakdown cover, worth £429.74Footnote 4††. As it covers you, not just your vehicle, we'll keep you on the road even if you're a passenger in another car.
- Use of a guaranteed replacement car for up to 28 days after an accident, fire or theft (subject to eligibility) worth £21.24Footnote 4††. We can’t guarantee the replacement will be an electric or hybrid car**.
- Up to £100,000 motor legal protection to help you claim for uninsured losses, worth £27.79Footnote 4††. There must be a reasonable chance of case success.
Standard cover
If you don't need all these benefits, you can keep the cost of your electric car insurance down by choosing standard cover which comes with:
- Uninsured driver protection – so you're covered if you're hit by someone else without insurance. Full details including vehicle registration, the make/model of the car; and the driver’s details must be provided.
- 3 year guarantee on repairs carried out by our approved repairers.
- Child seat cover – Up to £150 per seat for replacement child seats following an accident.
- £200 personal belongings cover.
You can also add some of the benefits included with premier as optional extras. In some instances it could cost you less to upgrade to premier.
Compare comprehensive premier and standard cover for hybrid and electric vehicles: ******
| Cover benefits | Premier cover | Standard cover |
|---|---|---|
| Battery cover - whether your battery is leased or owned we'll cover accidental damage, fire and theft | Included | Included |
| Cable cover - your charging cable is covered for accidental damage, fire and theft | Included | Included |
| Breakdown cover | Included - European and UK cover. Also covers you as a passenger in another car. | Optional - four levels available covering your vehicle only. |
| Uninsured driver protection | Included | Included |
| Motor legal protection | Included | Optional |
| Guaranteed replacement car - subject to eligibility | Included - 28 days | Optional - 14, 21 or 28 days |
| Courtesy car - subject to availability | Included | Included |
| European travel - unlimited trips up to 90 days per cover period | Included | Included |
| Loss, theft, damage and destruction of vehicle | Included | Included |
| Loss, theft, damage to personal property in vehicle | Included | Included |
| Personal accident cover for you and your spouse - up to £10,000 | Included | Included |
| Child seat cover up to £150 | Included | Included |
| Approved repairs guaranteed for 3 years | Included | Included |
| Claims line with personal claims manager | Included | Included |
† Some leased electric car batteries are covered as part of an agreement with the battery lender meaning that it doesn’t need to be covered by your car insurance too. If your leased battery degrades or has a fault the leaser may provide a replacement. If your battery suffers accidental damage, fire or theft, it’s likely we will be able to cover a replacement. Check the terms and conditions of your agreement with the battery lender to see what’s covered.
Footnote 3††[1][2][3][4] Motor legal protection is £27.79 and guaranteed replacement car is £21.24 based on 28 days, costs based on the add-on prices for M&S Car Insurance Standard Cover. Breakdown cover is provided by RAC for M&S Car Insurance customers, the equivalent cover is not available directly from rac.co.uk. The cost of the equivalent breakdown cover with the AA is £429.74 (this price is based on single personal level UK breakdown cover for £258 and all zones European breakdown cover of £171.74 (based on a Nissan Leaf, 2019, Automatic, Electric). All prices obtained 4th April 2024.
Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.
******Loss or damage resulting from incorrectly maintaining or fuelling the car is not covered. There is no cover for theft if the keys are left in or on the car while it is left unattended. Driving other cars cover only applies if shown on your certificate of motor insurance.
Lines are open Monday to Friday: 8am-8pm Saturday: 8am-6pm Sunday: 10am-4pm and 9am-5pm bank holidays. Calls are recorded.