Electric & Hybrid Car Insurance – Get A Quote | M&S Bank (2024)

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 £467Footnote 4††

These include:

• European and UK breakdown cover, worth £418.04Footnote 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: ******

† 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 £418.04 (this price is based on single personal level UK breakdown cover for £258 and all zones European breakdown cover of £160.04 (based on a Nissan Leaf, 2019, Automatic, Electric). All prices obtained 13 December 2023.

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.