Electric Car Insurance

Comprehensive protection designed for electric vehicles

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Charging Equipment Cover

Safeguards your EV’s cables and wall box from accidental damage, fire, and theft.

Out-of-Charge Recovery

Get help on the road if your battery runs flat.

5-Star Rated Protection

Our Next Step , Gold, and Platinum policies hold Defaqto’s top 5-star rating.

What is Electric Car Insurance?

Electric car insurance is similar to standard car insurance but includes extra features tailored for electric or hybrid vehicles.

Our comprehensive policy provides:

  • Cover for your EV battery against accidental damage or theft

     

  • Protection for charging equipment

     

  • Recovery service if your electric car runs out of charge on the road

     

For more cost-effective options, we also offer Third Party Only and Third Party Fire and Theft cover—these don’t include EV-specific features.

What is Hybrid Car Insurance?

Hybrid car insurance offers all the benefits of regular car insurance, with added protection for your hybrid vehicle’s battery and charging cables.

What’s Included in Next Step  Electric Car Insurance?

To help you select the best level of protection, compare our cover options below.

Cover for personal belongings increased to £500 for campervans

Hybrid vehicles are not included

Need help understanding some of the terms? Visit our car insurance jargon buster for clear explanations.

Why Switch to an Electric Vehicle?

Lower Fuel Costs
 Electric vehicles are cheaper to run than petrol or diesel cars, helping you save on everyday travel.

Reduced Maintenance Expenses
 Annual servicing for EVs typically costs less, thanks to fewer moving parts and less wear and tear.

A Forward-Focused Future
 The UK government plans to ban the sale of new petrol and diesel cars from 2030.
 New hybrid vehicles will be available until 2035 to support the shift to zero-emission driving.

Exceptions apply for:

  • Small and micro-volume car manufacturers

  • All fuel-type vans (ICE, hybrid, PHEV) until 2035

With this shift, electric vehicles are set to become the norm.

Manufacturers are already advancing new EV models, meaning more electric cars on the road in the years ahead.

Electric Vehicle Support Tools
 To assist with your switch, we’ve teamed up with Zap-Map to bring you tools and calculators that make EV ownership simpler and smarter.

Journey Cost Calculator

We’ve teamed up with Zap-Map to help you estimate your potential savings when switching from a petrol or diesel car to an electric vehicle (EV).

Simply choose an EV and a petrol or diesel vehicle from the drop-down menus, then enter your journey details along with your home electricity and fuel prices.

In just a few seconds, you’ll get a detailed breakdown of how much you could save by making the switch.

Electric Car Charging Points

We’ve partnered with Zap-Map to help you locate the nearest charging points, check their availability, and see if they’re operational.

Access detailed information for each charger and use the route planner to ensure you’re never far from a recharge during your trip.

You can filter results by connector type, network, and access options. Just enter your postcode, town, or city to begin.

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This facility is offered by an independent third party for the convenience of Next Step customers and is not directly provided by Next Step.

Why Choose Next Step Electric Car Insurance

Battery Protection
 Your electric vehicle’s battery is covered against theft, accidental damage, and fire.

MultiCar Discounts
 Insure additional vehicles with Next Step—electric or not—and enjoy a MultiCar discount.

Uninsured Driver Promise
 If you’re involved in an accident with an uninsured driver and can provide their vehicle details, we’ll cover your excess.

Your Electric Vehicle Questions Answered

Do I need specialist insurance for an electric car?

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Is electric car insurance cheaper?

Insurance costs for electric vehicles depend on various factors such as your age, occupation, claims history, vehicle type, and the cost and availability of spare parts. Because electric cars tend to cost more to buy and repair, they usually come with higher insurance premiums compared to petrol or diesel vehicles.

How do electric cars work?

Electric vehicles (EVs) run on electric motors powered by rechargeable batteries instead of petrol or diesel. They can be charged at home using a charging cable connected to a charging point or at public charging stations. Charging times vary widely, from around 30 minutes to 12 hours, depending on several factors.

What if I’m leasing the battery?

Some manufacturers, such as Renault and Nissan, offer electric cars with the option to lease the battery separately to reduce upfront costs. Lease payments are usually lower than the cost of two full fuel tanks, providing environmental benefits but not necessarily savings on running costs. You should inform us if you’re leasing your battery when taking out your policy. This ensures that if the car is written off, the compensation for the car and battery goes to the correct owners. If you own the battery outright, its value is combined with the car’s to determine market value

What happens if someone trips over my charging cable?

If you’re charging your vehicle on the street, there’s a risk someone might trip over your charging cable, potentially leading to a personal injury claim. Under Section 4 of your Next Step motor insurance policy ('Liability to other people'), you are covered provided you’ve taken reasonable precautions to prevent such accidents. Charging cables supplied with the car are covered, but aftermarket cables are only insured if they are direct manufacturer replacements.

What’s the difference between a hybrid and an electric car?

Hybrid cars combine a petrol engine with an electric motor, using both as power sources. Electric cars, on the other hand, run solely on electricity.

How much does it cost to recharge an EV?

The cost of charging an electric vehicle depends on the battery size. Most owners charge at home and pay their electricity supplier. Some public charging stations offer free charging, while others charge fees based on the provider and charger type. Rapid chargers generally cost more than standard fast chargers.

Pay-as-you-go or Monthly Rolling Subscription Insurance for You or Someone Else’s Car

Next Step’s learner insurance is designed specifically for provisional licence holders who want extra practice before passing their test. Available by the hour, day, week, or as a flexible monthly rolling subscription, Next Step provides coverage for exactly as long as you need until you pass your driving test. Three reasons to choose Next Step pay-as-you-go learner insurance: Instant cover: Available for an hour, day, or week — ideal for fitting in some extra practice before your test. Discounted cover when you pass: Get 10% off any new driver insurance after passing your test with Next Step. No impact on owner’s no claims bonus: You won’t need to be added as a named driver on someone else’s policy while practicing, so their no claims bonus remains unaffected. Three reasons to choose Next Step rolling monthly subscription: Flexible monthly contract: A rolling subscription you can cancel anytime without penalties — practice as much as you want, for as long as you need. Discounted cover when you pass: Enjoy 10% off any new driver insurance after passing your test with Next Step. No impact on owner’s no claims bonus: Learner insurance means you won’t have to be added as a named driver on someone else’s policy, protecting their no claims bonus.