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Does NRMA Insurance cover my electric vehicle (EV), hybrid or plug-in-hybrid vehicle (PHEV) battery?

Our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies cover your battery for loss or damage caused by a covered incident (such as fire, collision, crash, theft, attempted theft or storm). However, mechanical, structural, electrical, hydraulic or electronic breakdown or failure are not covered under our policies.

For example, if your battery is damaged due to a collision or crash it may be covered. However, we don’t cover your battery if it breaks down due to wear and tear.

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If you have Home Building, Home Contents or Home Building and Contents, you can choose to cover the burnout of your electric motors (as part of your Building and/or Contents) that are up to 15 years old, so long as they are not used in your business or covered by a warranty.

If you have Home Buildings Plus or Home Contents Plus insurance, electrical motor burnout is automatically included.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

To learn more about what you're covered for, read the Product Disclosure Statement (PDS) on our policy booklets page.

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Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.

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Our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies do not cover charging stations in your home. However, your home charging station may be covered under an NRMA Home Building policy, provided it’s permanently wired in, and suffers loss or damage caused by a covered event during the period of insurance.

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The charging cable that comes with your car from the manufacturer is considered to be part of the vehicle. This means it’s covered by our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies, for loss or damage caused by a covered event.

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If you’ve chosen an Agreed Value policy, this value is the amount we agree to insure your vehicle for that is shown on your Certificate of Insurance. If you’ve chosen a Market Value policy, then we assess the value of your vehicle immediately prior to the incident you are claiming for (or at the time of any claim under the 'Lifetime repair guarantee' additional benefit), using local market prices and considering your vehicle’s age and condition. Both agreed and market values include any modifications, options or accessories to your vehicle, along with GST, registration and any compulsory third party insurance and other on-road costs.

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There is no difference in cover between EV, hybrid, PHEV and petrol cars.

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