Electric car insurance

Car insurance for electric cars

At Youi, we believe in insurance that’s a great fit for you and your car. Get in touch today for electric car insurance that’s a little more you-shaped.

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Why choose Youi car insurance for your electric car?

We get that buying an EV is an exciting new step for many car owners. That’s why we’re committed to keeping insurance simple.

Roadside assistance

Youi Roadside Assist comes standard for EV customers on our Comprehensive car insurance policies and includes transport to the nearest charging station should you find yourself out of charge.1 Some exclusions, limits and fees apply.1

Quality Repair Guarantee

If you make a claim, we’ll guarantee the quality of all authorised repairs for as long as you own the car.2

Car hire

Up to 14 days’ use of a hire car if your car is stolen, so you can keep moving.3

Calls answered – fast

We aim to answer your call in around 30 seconds, so you can get the help you need when you need it.4

What type of cover is right for your EV?

To help you choose the car insurance that best suits your electric car, check out our breakdown of what’s included at each level of cover.

Comprehensive car insurance

If you’re looking for the highest level of cover for your EV, our Comprehensive insurance might be for you. It covers accidents, most severe weather events, fires, theft and damage to property belonging to others.

Comprehensive
  • If your brand-new electric car is a total loss within 2 years of initial registration, we’ll replace it or pay you the replacement cost.5
  • Cover against damage to your EV caused by a storm, hail or flood.6
  • Cover for $150 per item up to $750 per claim for items inside your car that are lost or damaged due to an insured event.7

Third Party Fire & Theft

Our Third Party Fire & Theft insurance covers your electric vehicle if it is stolen, damaged by fire or causes damage to someone else’s car or property.

Third Party Fire & Theft
  • Cover for towing and storage costs at the nearest suitable place for safekeeping if your car is damaged or can’t be driven after an insured event.7
  • Reimbursement of up to $1,000 in combined costs for emergency transport, repairs and accommodation if you can no longer safely drive your EV after an insured event and you’re more than 100km from home.8
  • Cover for up to $20 million in legal liability if your car accidentally causes damage to another person’s property and we approve your claim.9

Third Party Property Only

If your EV causes damage to someone else’s car or property, and we approve your claim, our Third Party Property Only policy will provide you with the following cover:

Third Party Property Only
  • Up to $20 million in legal liability cover for the driver from an accident caused by your car.9
  • Counselling services for you, household members and listed drivers up to the value of $1,500 per person following an insured event.9
  • We'll cover your car for up to $5,000 if an uninsured driver, who is completely at fault, damages your vehicle - as long as you provide the necessary details.10

Comprehensive car insurance

If you’re looking for the highest level of cover for your EV, our Comprehensive insurance might be for you. It covers accidents, most severe weather events, fires, theft and damage to property belonging to others.

Comprehensive
  • If your brand-new electric car is a total loss within 2 years of initial registration, we’ll replace it or pay you the replacement cost.5
  • Cover against damage to your EV caused by a storm, hail or flood.6
  • Cover for $150 per item up to $750 per claim for items inside your car that are lost or damaged due to an insured event.7

Third Party Fire & Theft

Our Third Party Fire & Theft insurance covers your electric vehicle if it is stolen, damaged by fire or causes damage to someone else’s car or property.

Third Party Fire & Theft
  • Cover for towing and storage costs at the nearest suitable place for safekeeping if your car is damaged or can’t be driven after an insured event.7
  • Reimbursement of up to $1,000 in combined costs for emergency transport, repairs and accommodation if you can no longer safely drive your EV after an insured event and you’re more than 100km from home.8
  • Cover for up to $20 million in legal liability if your car accidentally causes damage to another person’s property and we approve your claim.9

Third Party Property Only

If your EV causes damage to someone else’s car or property, and we approve your claim, our Third Party Property Only policy will provide you with the following cover:

Third Party Property Only
  • Up to $20 million in legal liability cover for the driver from an accident caused by your car.9
  • Counselling services for you, household members and listed drivers up to the value of $1,500 per person following an insured event.9
  • We'll cover your car for up to $5,000 if an uninsured driver, who is completely at fault, damages your vehicle - as long as you provide the necessary details.10

Looking for CTP insurance? We do that too.

NSW CTP Green Slip SA CTP
EV insurance that's a bit more you-shaped

Electric car insurance that’s a bit more you-shaped.

At Youi, we believe every EV driver is unique, and your EV insurance should be too. For more information or to get a quote, give us a call today or get started online.

Start a quote

Electric car insurance FAQs

Got a question about car insurance for your EV? You’ve come to the right place.

You can also find answers to general car insurance queries on our car insurance page.

View the PDS Car Insurance Terminology

Car insurance prices can vary depending on factors such as driver age, how the car is used, and vehicle age, make, model and features. While this isn’t unique to EVs, electric cars tend to have a lot of built-in tech and ADAS safety features. Systems such as rain sensors, cameras, collision avoidance and driver monitoring are great for safety but can be pricey to repair or recalibrate. EV batteries can also impact the cost of insurance because if a battery is damaged in an accident, it can be expensive to replace.

Our roadside assistance comes standard with our Comprehensive car insurance policies. It’s there to help you out when you’re stuck – no matter your car’s fuel type. If your EV battery runs out of charge, we’ll provide a tow to the nearest charging station – 24/7.1

Youi’s hire car providers can provide you with a hire car for up to 14 days, depending on the policy you hold and the nature of the insured event.

Your EV battery is part of your car, so it’s covered by Youi’s Comprehensive car insurance if damaged during an insured event. Charging cables do not form part of the vehicle and are not automatically covered.

So, you’re switching gear to electric motoring? Great move. Swapping your Youi car insurance cover over to your new electric car is super easy. Just give us a call on 13 YOUI (9684), and we’ll update your policy on the spot, letting you know about any change in premium, if applicable.

No. Youi offers the same car insurance policies for all fuel types, including hybrid cars and electric cars.

We know that your car and the way you use it are unique, so it’s worth considering your circumstances when looking at car insurance.

With this in mind, we’ve created our Comprehensive, Third Party Fire & Theft and Third Party Property Only car insurance policies. We also offer NSW CTP and SA CTP insurance.

Choosing which car insurance to buy can be complicated, so we’ve tried to make it as simple as possible. Check out our different types of cover to get a better understanding of what’s on offer.

View the PDS Car Insurance Terminology

Guides

With more Australians choosing electric cars, we’ve compiled a collection of useful articles to help you explore and understand your EV insurance needs.

hybrid cars vs electric cars
Articles and Guides.

Hybrid Cars vs Electric Cars: How to Decide Which Is Right for You

As more Australian motorists think about switching from fossil-fuelled cars to greener alternatives, the choice between hybrid cars vs electric cars has become more important than ever.
Chelsea Spresser, January 16, 2025
Best electric cars
Articles and Guides.

Are These the Best Electric Cars in Australia?

You’d have to have been living under a rock not to notice the proliferation of electric vehicles (EVs) hitting the Australian market – and our roads.
Chelsea Spresser, April 16, 2025
EV charging stations
Articles and Guides.

How Much Can It Cost to Use EV Charging Stations in Australia?

We’ve put together some tips and tools that could help answer your questions about electric car ownership – including how much it might cost to use EV charging stations and how to find them.
January 04, 2024
EV charging station
Articles and Guides.

Can You Avoid the EV Charging Station Queues This Summer?

Aussie EV drivers found a new source of frustration last summer when queues for EV charging stations hit headlines across the country.
Chelsea Spresser, November 29, 2023

Useful links

Tesla

How much might it cost to insure your EV?

Not every EV is the same, and EV insurance premiums vary too. Car insurance for a Tesla, for example, may not cost the same as cover for a BYD or a Kia. For indicative annual premium costs, choose your EV’s make below.

Browse all makes and models

Need a little more cover?

Depending on how you use your EV, you might be on the lookout for a little extra cover. We understand, and that’s why, in addition to our Comprehensive or Third Party Fire & Theft car insurance policies, we offer a range of optional covers which may suit EV owners. Not every option is available in every circumstance, so just ask, and we’ll do our best to assist.

Hire car for other insured events

Being without your car while it’s being repaired can be a hassle. Add this extra to your Comprehensive or Third Party Fire & Theft policy to get a hire car for up to 14 days for a range of insured events.11

Your choice of EV repairer

While we have an extensive network of repairers, you can also choose your own if you purchase this optional cover. Just let us know if you want to choose your own repairer if you ever need to make a claim.12

Damaged or lost business items

Add this to your Comprehensive or Third Party Fire & Theft policy and get covered for up to $400 per item and $2,000 per claim if your business items are lost or damaged while they are stored in your locked car or unbraked trailer as a result of an insured event.13

Contents upgrade for your EV campervan/motorhome

Choose this optional extra with your Comprehensive or Third Party Fire & Theft policy to cover the contents inside your electric motorhome or campervan. We’ll cover up to $1,000 per item lost or damaged in an insured event.14

Reduced windscreens excess

This option reduces your excess for claims relating solely to windscreen, window glass or sunroof glass.15

Being without your car while it’s being repaired can be a hassle. Add this extra to your Comprehensive or Third Party Fire & Theft policy to get a hire car for up to 14 days for a range of insured events.11

While we have an extensive network of repairers, you can also choose your own if you purchase this optional cover. Just let us know if you want to choose your own repairer if you ever need to make a claim.12

Add this to your Comprehensive or Third Party Fire & Theft policy and get covered for up to $400 per item and $2,000 per claim if your business items are lost or damaged while they are stored in your locked car or unbraked trailer as a result of an insured event.13

Choose this optional extra with your Comprehensive or Third Party Fire & Theft policy to cover the contents inside your electric motorhome or campervan. We’ll cover up to $1,000 per item lost or damaged in an insured event.14

This option reduces your excess for claims relating solely to windscreen, window glass or sunroof glass.15

Take a closer look at our policies.

We want to make it easy for you to find the policy that best suits you and your EV. Compare our Comprehensive, Third Party Fire & Theft, and Third Party Property Only car insurance policies here.

Comprehensive
Third Party Fire & Theft
Third Party Property Only
Accidental damage

Accidents happen. So don’t stress when they do, and know your EV is covered for accidental damage caused by you or someone else.16

Intentional damage

Not all damage is accidental. If someone intentionally damages your EV, that’s covered as well.17

Storm or flood

We’ll provide cover for accidental damage to your EV caused by a storm or flood.18

Fire

If your EV is damaged by fire, we'll cover the cost to replace or repair it.18

Theft

If someone steals your EV or causes damage to the vehicle in a theft attempt, we'll cover the cost to replace or repair it.19

Earthquake

As rare as they are in Australia, earthquakes can still hit and cause major carnage. We’ll cover your EV if it’s damaged by earthquake.20

Legal liability

If your EV accidentally causes damage to another person’s property, the driver’s legal liability arising from the accident is covered for up to $20 million.9

Towing costs

We’ll cover the reasonable cost of towing and storing your EV in a suitable place nearest to the incident location after an insured event.21

Personal transport

If your EV is not safe to drive after an insured event, we’ll reimburse up to $100 for personal transport from the scene of the incident, to and from the car’s repairer or to and from a hire car provider.22

Emergency accommodation, transport and repairs

If your EV is in an insured event and isn’t safe to drive and you’re more than 100km from home, we’ll reimburse up to $1,000 for emergency accommodation, transport or repairs.23

Hire car following theft

We’ll pay the reasonable cost of a hire car for up to 14 days after theft or attempted theft.24

Hire car following a not-at-fault accident

If you’re the not-at-fault driver in an accident that causes loss or damage to your vehicle, we’ll arrange and cover the costs of a suitable hire car to help you get around.25 

Conditions apply – see the PDS for details.

Hire car for other insured events

If you have a Comprehensive or Third Party Fire & Theft policy, you can add optional cover to get a hire car for up to 14 days for all other insured events.26  

Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule, and you will be charged an additional premium.

Locks and keys

If the keys to your EV are stolen, we will cover up to $1,000 (after excess) of the cost to replace or recode your car’s locks and keys.27

Additions to the EV

We’ll replace the following items that are on or in your EV should they be damaged as a result of an insured event:

  • Baby seat/s
  • Personalised registration plates
  • Towbar
  • Window tinting.28
Contents inside the EV

Your car isn’t the only thing we’ve got covered in an insured event. We look after what’s inside your EV too, with contents covered for up to $150 per item and up to $750 in total.7

Unbraked trailer

Your unbraked trailer will be covered for certain insured events for its market value up to $1,500 if it’s damaged as a result of an insured event, if:

  • It is being towed by the car;
  • It is parked at the overnight address noted on the policy schedule; or
  • You, a listed driver or anyone acting with your permission are using it at another location and it is unattended for less than 24 hours.30

For the specific insured events which apply to this cover refer to the PDS.

Temporary replacement cover

After you’ve sold or traded in your current EV and replaced it with another car, we will insure your replacement car for up to 14 days after purchase for the same level of cover as the car that it replaced. Where you have Comprehensive or Third Party Fire & Theft cover, the most we will pay for a claim on the replacement car is its market value up to a maximum of $100,000.31

Counselling services

We’ll help look after your mental health too, with up to $1,500 per person towards the cost of counselling sessions required after an incident where a claim has been accepted. This applies to you, as well as any other listed drivers and household members.9

Funeral expenses

If a driver of your car sustains a fatal injury as a result of an accident while driving your EV with your permission, we will pay $5,000 per contract period to the deceased driver’s estate for the purpose of meeting expenses incidental to a funeral, burial or cremation.32

Roadside assistance

Whether it’s a flat tyre, a dead EV battery or a car that just won’t go, our roadside assistance will be there to help you and your loved ones out of trouble 24/7. For EVs that are out of charge, we will tow your vehicle to the nearest charging station. Some limits and restrictions apply – see details in the PDS.1

Business items

If your business items are damaged or stolen whilst they are stored in your car or unbraked trailer as a result of an insured event that causes damage to your car or unbraked trailer, we’ve got you covered. With our optional cover for business items, we’ll pay the costs of replacing each item up to $400, with a maximum amount of $2,000 per claim.33

Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule, and you will be charged an additional premium.

Campervan or motorhome contents

If your EV is a campervan or motorhome, we’ll cover the contents inside up to $1,000 for loss or damage due to an insured event. The maximum amount we will pay for each claim is noted on your policy schedule.34

Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule, and you will be charged an additional premium.

Choice of repairer

This optional cover allows you to choose a repairer outside of our extensive repairer network. However, if you don’t select this option, we’ll manage the repair process from start to finish using one of our trusted repairers nationwide. All repairs we authorise come with a lifetime guarantee on workmanship for as long as you own the EV.2

Note: this optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule, and you will be charged an additional premium.

Covered
Optional
Not Covered

DIsclaimers

1 Youi Roadside Assist Available with Comprehensive policies only. Exclusions, limits and fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For more details, see the roadside assistance T&Cs and Car PDS.
2 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs.
3 Available with Comprehensive and Third Party Fire & Theft policies only. For more details, see the PDS.
4 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
5 If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll replace it with a new one, or pay you the market value or agreed value as per your policy schedule. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
6 Loss or damage caused by a storm, hail or flood within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details see PDS, TMD and your policy schedule.
7 Available with Comprehensive and Third Party Fire & Theft policies only. Limits apply. For more details, see the PDS.
8 If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies only. For more details, see the PDS.
9 Available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the PDS.
10 Available with Third Party Fire & Theft or Third Party Property Only cover only. For more details, see the PDS.
11 Hire car is included for theft and not-at-fault accidents under Comprehensive policies and for theft under Third Party Fire & Theft policies only. Hire car for other insured events is an optional cover, which incurs additional fees. For more details, see the PDS.
12 Additional cost and conditions apply. See the PDS.
13 Cover only applies where there is also damage to the car or unbraked trailer as a result of an insured event. An additional cost and conditions applies. For more details, see the PDS.
14 An additional cost and exclusions apply. For more details, see the PDS.
15 An additional cost applies. For more details, see the PDS.
16 Accidental damage included with Comprehensive cover only. See PDS for full details.
17 Intentional damaged included with Comprehensive cover only. Exclusions apply. See PDS for full details.
18 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss or damage caused by a storm, hail or flood within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details see PDS, TMD and your policy schedule.
19 Theft, or damage to the car caused by attempted theft of the car included in Comprehensive or Third Party Fire & Theft cover only. Exclusions apply. See PDS for full details.
20 Earthquake cover included with Comprehensive cover only. See PDS for full details.
21 Towing costs included with Comprehensive or Third Party Fire & Theft cover only. See PDS for full details.
22 Personal transport costs included with Comprehensive or Third Party Fire & Theft cover only. See PDS for full details.
23 Emergency accommodation, transport and repairs cover included with Comprehensive or Third Party Fire & Theft cover only. See PDS for full details.
24 Hire car following theft cover applies where a claim has been accepted for theft or attempted theft of your car and is included with Comprehensive or Third Party Fire & Theft cover only. Conditions and exclusions apply. See PDS for full details.
25 Hire car following a not-at-fault accident is included with Comprehensive cover only. Conditions and exclusions apply. See PDS for full details.
26 Hire car for other insured events can be added as optional cover if you have Comprehensive or Third Party Fire & Theft cover. Conditions and exclusions apply. See PDS for full details.
27 Locks and keys cover is included with Comprehensive or Third Party Fire & Theft cover only. See PDS for full details.
28 Cover included with Comprehensive or Third Party Fire & Theft cover only.
29 Cover included with Comprehensive or Third Party Fire & Theft cover only. Exclusions apply. See PDS for full details.
30 Cover included with Comprehensive or Third Party Fire & Theft cover only. Conditions, limits and exclusions apply. Cover does not extend to the contents of the trailer. See PDS for full details.
31 Available with all levels of car insurance except CTP. Conditions and limits apply. For more details, see the PDS.
32 Funeral expenses cover included only where a claim has been accepted for loss or damage to the car and with Comprehensive policies only.
33 Business Item cover can be added as optional cover if you have Comprehensive or Third Party Fire & Theft cover. Cover only applies where there is also damage to the car or unbraked trailer as a result of an insured event. An additional cost and conditions applies. For more details, see the PDS.
34 Campervan or motorhome contents can be added as optional cover if you have Comprehensive or Third Party Fire & Theft cover.