Electric Vehicle Insurance Ireland
Cover designed for electric drivers
Get a QuoteWhat is electric vehicle insurance?
Electric vehicle insurance covers your EV or hybrid car against accidental damage, fire, theft, and third-party liability just like standard Car Insurance. With An Post Insurance, your EV is covered by the same panel of leading Irish insurers, with the same range of benefits including breakdown assistance and no claims discount protection. Optional extras such as Keycare1 and open driving are also available. It is not necessary to purchase these optional extras in order to purchase a policy. There is no separate EV-only policy, your electric or hybrid car is insured through the same quote process as any other vehicle, with no additional complexity.
1) Keycare is available at a charge of €19.76 (incl. government levy) per policy. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Not available on BoxClever Telematics policies.
Is it more expensive to insure an electric car?
Electric vehicle insurance is not necessarily more expensive than insuring a petrol or diesel car. Your premium depends on the same factors as any car insurance policy which include your driving history, the car's value, where you live, how you use the car, and the level of cover you choose. Some EVs are more expensive to buy than equivalent petrol or diesel cars, which can push the insured value higher, but running costs and maintenance are typically lower.
The best way to find out what EV insurance will cost you is to get a quote. An Post Insurance searches across our panel of leading Irish insurers and presents you with the most competitive price for your chosen level of cover.
What influences my EV insurance premium?
The cost of insuring your electric car depends on several factors, including:
- The value of the car: EVs can have a higher purchase price than equivalent petrol or diesel cars, which affects the insured value.
- Your driving history: Claims history, penalty points, endorsements, convictions, and years of driving experience all affect your quote.
- How you use the car: Total annual mileage and whether the car is used for business or social use play a role.
- The level of cover you choose: Comprehensive cover costs more than Third Party, Fire and Theft, but offers significantly more protection.
- Your No Claims Discount: Years of claims-free driving reduce your premium. An Post Insurance offers NCD protection as an optional extra, subject to eligibility. The cost of adding NCD Protection is based on your premium, not on the number of claim-free years you have built up. It is not necessary to purchase this in order to purchase a policy.
How can I save on my Electric Car Insurance?
- Build and protect your No Claims Discount: Each year you drive claims-free earns a bigger discount on your premium, up to a maximum that varies by insurer. NCD protection is available as an optional extra to safeguard your discount, subject to eligibility. It is not necessary to purchase this in order to purchase a policy.
- Increase your voluntary excess: Choosing a higher excess reduces your premium, as long as you are comfortable paying that amount in the event of a claim.
- Consider your mileage: Depending on your insurer, lower annual mileage may help reduce your premium. Make sure your policy reflects how much you actually drive.
- Get a quote: An Post Insurance searches across our panel of leading Irish insurers and presents you with the most competitive price for your chosen level of cover.
- Pay annually if you can: Paying your premium in one lump sum is usually cheaper than monthly instalments. Monthly payment requires a 20% deposit followed by 9 instalments, with a service fee of up to 12%.
What does An Post Insurance EV insurance include?
Your EV or hybrid car insurance policy includes the same benefits and cover as any standard car insurance policy. Here is what is available:
| Benefit | Included/Optional | Details |
| 24/7 breakdown assistance | Included as standard on all Comprehensive policies and TPFT with Aviva, AIG, FBD. | Not available on Allianz TPFT or BoxClever3. Roadside and driveway recovery across Ireland and the UK. Up to one hour of roadside assistance. |
| Windscreen cover | Comprehensive: included as standard. TPFT: AIG & FBD standard; Aviva & Allianz optional | Cover for repair or replacement. Limits apply. |
| Courtesy car | Included, subject to insurer and policy type | A temporary replacement vehicle while yours is being repaired. |
| Motor legal protection | Included as standard on all policies | Legal expenses cover up to €130,000. Cost included in premium breakdown. Underwritten by ARAG. Not available on BoxClever3. |
| No Claims Discount protection | Optional extra | Protect your discount if you need to claim. Cost based on premium. Subject to eligibility. |
| Keycare1 | Optional extra / €19.76/year incl. govt levy | Cover for lost, stolen, or broken car keys. Not available on BoxClever3. |
| Open driving2 | Optional extra | Allow other drivers to use your car. Subject to acceptance criteria that vary by insurer. |
Please refer to our policy booklets for full cover details, exclusions and terms and conditions that apply. Benefits and cover limits vary by insurer: the specific terms applicable to you will be outlined in your policy documents. It is not necessary to purchase these optional extras in order to purchase a Car Insurance policy.
1) Keycare is available at a charge of €19.76 (incl. government levy) per policy. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Not available on BoxClever Telematics policies. ,
2) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. Open Drive is subject to driver/vehicle eligibility criteria and restrictions may apply.
3) BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Electric Vehicle Benefits
Thinking of making the change? Whether you choose an electric or hybrid vehicle, there are benefits to more sustainable driving!
Cheaper Running Costs
Health Benefits
Zero exhaust emissions make electric cars better for our overall health. They’re quieter than other cars too meaning no noise pollution!
Cheaper to Maintain
Less Pollution
With no exhaust emissions from EVs, they produce less harmful air pollution. Some EVs are made from renewable materials!
*Source - ESB & SEAI (21.02.2022)
The Future is Electric at An Post Insurance
At An Post Insurance, sustainability is at the centre of our priorities. Adapting for our customers is what we do best - whether that means protecting their petrol, diesel, electric, or hybrid cars. Learn more.
Get a QuoteAcceptance criteria, T&Cs apply, subject to minimum premiums
Your Cover Options
What happens if I need to make a claim on my EV insurance?
If your electric or hybrid car is involved in an accident, is damaged, or is stolen, the claims process is the same as for any other car insurance policy with An Post Insurance:
- Call the claims number for your insurer: You will find this in your policy documents.
- Provide the details of what happened: The date, location, and circumstances of the incident, plus any other driver's details if relevant.
- A claims handler will guide you through the next steps: Including arranging an assessment, repairs, or a replacement vehicle if applicable.
An Post Insurance does not handle claims directly. Claims are managed by your insurer.
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Electric Vehicle Insurance FAQs
No, electric and hybrid cars are insured through the same process as petrol or diesel vehicles. With An Post Insurance, you get a quote in the same way and have access to the same range of cover levels, benefits, and optional extras. There is no separate EV-only policy. Get a quote today.
Yes, if you have Comprehensive Car Insurance, your battery is covered against accidental damage, fire, and theft as part of the vehicle. If the battery is damaged in an accident, repairs or replacement will be handled through the standard claims process and standard excesses will apply.
Your home charging unit is typically covered under your Home Insurance Policy, not your Car Insurance. If you have a home charging point, check with your home insurer to make sure it is included in your cover.
Yes, Breakdown Assistance covers electric and hybrid vehicles. It is included as standard on all Comprehensive policies and on Third Party, Fire and Theft policies with Aviva, AIG, and FBD. It is not available on Third Party, Fire and Theft policies with Allianz and is not available on BoxClever* Telematics policies. If your EV breaks down, whether due to a mechanical fault, flat tyre, or battery issue, a repairer will be sent to assist. Up to one hour of roadside assistance is provided.
*BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Yes, An Post Insurance covers fully electric vehicles (EVs), plug-in hybrids (PHEVs), and standard hybrids. The quote process is the same regardless of your vehicle type. Get a quote online.
If your electric car runs out of battery charge and you cannot reach a charging point, call the breakdown assistance number for your insurer. Depending on your policy and the repairer's capability, your car may be towed to the nearest charging point or garage.
