Make a claim
Popular Searches

We've been helping Australians for 100 years

Learn more

Car insurance for your electric vehicle (EV)

Explore Car Insurance options for your standard-spec electric vehicle (EV), hybrid or plug-in hybrid (PHEV) vehicle. 

Why choose NRMA Insurance?

Save when you buy online

Save up to 10% on your first year of eligible car insurance with our online discount1

Lifetime guarantee

We guarantee the workmanship of all authorised repairs of your electric vehicle2

100 years of help

With a century of experience, we know how to protect the things you care about

Choosing a car insurance policy for your EV

The insurance options we have available for traditional combustion engine vehicles are equally available for EVs and hybrid vehicles (with the exception of Classic Car Insurance). This means you have the same levels of cover available to choose from as your petrol-filling counterparts.  

To work out what level of cover is right for you and your EV, take time to compare all the different inclusions, exclusions and limits to see what option suits your circumstances best, and remember to always read the Product Disclosure Statement (PDS) for full details.

Compare car insurance

Find the right car insurance for you

Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.

You're covered for:

  • Damage to your vehicle

  • Damage to other vehicles or property

  • Emergency transport and accommodation up to $750

You won’t get:

  • New vehicle replacement

  • Cover for personal items

  • Hire car to use after an incident

Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.

You're covered for:

  • Damage to your vehicle

  • Damage to other vehicles or property

  • Emergency transport and accommodation up to $1,000

You’ll also get:

  • New vehicle replacement

  • Cover for personal items up to $500

  • Option to add hire car and excess-free glass cover

All the protection of our Comprehensive cover with additional benefits such as excess-free glass cover.

You're covered for:

  • Damage to your vehicle

  • Damage to other vehicles or property

  • Emergency transport and accommodation up to $1,500

You’ll also get:

  • New vehicle replacement

  • Cover for personal items up to $500

  • Hire car and excess-free glass cover

Cover for damage you cause to other people's cars or property in an accident.

Covered

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

Not covered

  • Damage to your vehicle if you cause an accident

Cover for your car if it's stolen or catches fire, and cover for other people's cars and property if you cause an accident.

Covered

  • Fire or theft (up to $10,000)

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

Not covered

  • Damage to your vehicle if you cause an accident

Report

Changing Gears: The Road Ahead for EV Adoption in Australia

Ready to learn more about electric vehicles (EVs)? Check out Changing Gears: The Road Ahead for EV Adoption in Australia – the first instalment of a two-part series that demystifies the electric mobility landscape and sheds light on Australian attitudes towards EVs. This report has been produced by market-research company Ipsos, on behalf of NRMA Insurance.

Read the report
FAQs

EV Car Insurance FAQs

Read more

What is the cost of insuring an electric car?

Car insurance premiums vary because we all have different circumstances and needs. For some of the factors we consider, take a look at the Premium, Excess and Discounts Guide.

Will my EV charger be covered?

If you have a Comprehensive Car Insurance policy with us, your portable charge cord will be covered as an accessory to your vehicle. However, the charging unit wired and affixed to the wall of your home would not be covered by your car insurance policy.   

Does NRMA Car Insurance cover damage from electrical fires? 

If you choose one of our car insurance products that includes cover for fire — such as a Comprehensive or Third Party Fire and Theft policy —damage to your vehicle as a result of an electrical fire would be covered.

Does NRMA Insurance offer separate policies for electric, plug-in hybrid, and hybrid cars?

No, we don’t have separate policies for different types of electric or hybrid vehicles.  Our Car Insurance options are equally available to all engine types, combustion, hybrid, or fully electric. 

Explore these articles

  • 08 September, 2025
    On the road | NRMA Insurance Blog

    The hype around hybrid vehicles

    Discover the ins and outs of hybrid vehicles with our deep dive on what they are, how they work, and whether they can reduce your environmental impact.

    Read more
    Car buying EVs Car
  • 06 May, 2025
    On the road | NRMA Insurance Blog

    Electric car costs: the price of ownership in 2025

    Considering an electric vehicle (EV) for your next car? We break down the key things you need to know before you buy.

    Read more
    Car buying EVs Guide
  • 02 December, 2024
    On the road | NRMA Insurance Blog

    Is Australia ready for your electric vehicle?

    EV uptake is on the rise, but does Australia have the infrastructure to support it? Find out.

    Read more
    Car EVs

Things you should know

  1. Some product exclusions apply. Excludes CTP and Classic Car Insurance. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount. Find out more about our online discount.

  2. For as long as you own the car.