Electric Car Insurance

Your electric car's battery is the most expensive part, costing several lakhs to replace completely. During the monsoons, water can damage the battery, and power spikes during charging can damage the insides. This add-on covers complete battery repair or replacement costs, protecting your biggest investment from unexpected expenses that could otherwise drain your savings entirely.

The electric motor makes your car run silently and needs specialised parts when it breaks down. Water exposure or overheating can damage these complex electronic components, making repairs extremely expensive. Finding replacement parts becomes difficult because they're specialised components. This add-on covers all motor repair costs, keeping your car running without forcing you to pay lakhs from your pocket.

On average, home charging stations cost upwards of ₹50,000 to install and are essential for daily charging needs. Lightning strikes can destroy the equipment, while thieves target expensive charging cables because they're valuable. This add-on pays for repairing or replacing damaged charging equipment, ensuring you maintain convenient home charging without worrying about expensive replacement costs that regular insurance never covers.

This cover pays the full amount for all damaged parts without reducing money for age or usage. When your electric car gets damaged in accidents, you receive complete payment for replacing parts. No depreciation means no financial loss on your claim amount ever.

Your EV insurance cost depends on how much you actually drive your electric car each year. This smart option works great for people who drive less frequently or only for weekend trips. You can choose packages ranging from 2,500 to 10,500 kilometres* and save money on unused coverage effectively.

If someone steals your electric car or it gets completely destroyed in an accident, you get back every rupee originally paid. This includes the showroom price plus all taxes and registration fees you paid when buying. You never lose any money from your original purchase amount.

Water can damage your car's electrical systems during floods or heavy rain situations, causing expensive repair bills. This cover pays all costs for fixing damaged electrical components when water problems happen. It protects your car's complex electrical systems from water-related damage completely.

Driving on rough roads can easily damage your electric car's tyres during regular use and long trips. This cover pays for buying new tyres when they get cut or punctured on difficult roads. Electric car tyres are specialised and more expensive to replace than regular ones.

Losing your electric car's smart keys costs thousands of rupees to replace due to advanced electronic systems. This cover pays for making new keys and reprogramming smart keys. You should also note that electric car keys are more expensive than regular car keys.

Small repair items like special fluids and electronic components always add extra money to your electric car repair bills. This cover pays for all these consumable items that mechanics use during any repair work. Electric cars need specialised consumable parts for repairs.

Your electric car's stylish alloy wheels can get badly damaged from hitting potholes and rough roads. This cover pays to fix or replace damaged wheel rims that normal EV insurance policies never cover. Alloy wheels are expensive and important for your car's performance and looks.

When your electric car suddenly stops working during trips, getting specialised help becomes extremely difficult and expensive everywhere. We offer 24-hour emergency help like specialised towing and on-spot repairs wherever you get stuck. We help get your car back in working condition so you can take it to the nearest garage and get your EV repaired. This cover is especially useful since electric cars need trained technicians for proper assistance.

It protects your valuable belongings kept inside the car. This is because valuable items like expensive laptops and smartphones can easily get stolen from your parked electric car. So we reimburse you for personal items worth more than ₹5,000* that get stolen from your EV car.

When your electric car stays in a repair garage for more than three days, you need other transport options. That’s why we give you a daily cash payout for using other vehicles during the repair time. It helps cover extra travel costs when your car is getting fixed.

If your electric car needs very long repairs, you still have to keep paying your monthly loan EMIs. This cover pays your loan EMIs when repairs take more than 21, 42, or 63 days* to finish completely. It prevents financial stress during extended repair periods for your vehicle.

Making even one insurance claim usually means losing your no-claim bonus discount on future insurance payments completely. This cover lets you keep your discount benefits even after making a claim during the year. We cover up to 2 claims per year* under this add-on. You maintain your hard-earned discount benefits as always while still getting coverage under your EV car insurance.

Extra electrical items like powerful music systems and advanced GPS devices can get damaged or stolen easily. This cover protects additional electrical accessories that your standard insurance policy doesn't cover at all. If your electric car has expensive electronic accessories installed after purchase, it’s a good cover to have.

Custom items like special seat covers and protective accessories can get damaged or stolen from your car. This cover protects non-electrical accessories like decorative pieces and upgrades completely. It covers all additional accessories you've added to your electric car after purchase.

This special cover lets you legally drive your electric car in nearby countries like Nepal during holidays. Your insurance policy works properly in 6 neighbouring countries* during exciting cross-border trips. We cover Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and the Maldives. International travel becomes possible with proper insurance coverage extending beyond Indian borders.