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Electric Car Insurance: EV Insurance for Electric Vehicles Online
Electric cars are becoming more popular as they are cost-effective and better for the environment, and just like regular cars need petrol or diesel as fuel, electric cars need electricity to run!
Since electric cars are not yet as common as petrol/diesel cars in India, getting a car insurance policy for your electric car can be a bit different.
What is Electric Car Insurance?
Electric car insurance is a type of motor insurance that protects electric cars from potential damage and losses that may occur due to accidents, natural calamities, fire or theft, and even third-party liabilities.
The EV car insurance policy is designed to provide additional coverage specific to electric vehicles such as battery coverage, electric motor, charging station coverage, repair costs for electric vehicles, etc.
Why Should You Buy Electric Car Insurance?
You can’t predict what might happen to your precious electric car. So, having electric car insurance can be a great help and offer financial protection in an unfortunate event. You must also keep in mind that having at least third-party car insurance is mandatory in India.
Here's why you should get electric car insurance India:
- Coverage for Your Electric Car: EV insurance for electric cars acts as a safety net and protects your car in unforeseen circumstances. Under the Comprehensive Policy, you get coverage for your own damage liabilities, while in a situation where you have caused an injury or damage to a third-party, it will be covered under third-party policy.
- Compliance with the Law: Getting an electric vehicle insurance for your car will also help you comply with the law to drive electric cars on Indian roads.
- Protection Against Repair Costs: Since electric vehicles are comparatively new in the Indian market, the cost of repairing electric motors and other EV-specific components can more than for fuel-run cars. Therefore, having EV insurance for electric cars helps take care of these costs.
- Coverage for Specific EV Requirements: EV insurance also covers specific requirements related to electric vehicles such as electric motors, batteries, and charging systems, depending upon your insurer.
- Peace of Mind: Having car insurance for your electric vehicle also ensures peace of mind as you get financial security in case of any unfortunate event.
What’s Covered in Electric Car Insurance by Digit?
Accidents
Damages and losses that may arise out of accidents and collisions
Theft
Covers for the losses incurred when your car is unfortunately stolen
Fire
Damages and losses caused to your car due to an accidental fire
Natural Disasters
Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.
Personal Accident
If there is a car accident and unfortunately, it leads to death or disability of the owner
Third Party Losses
In cases where your car causes damages and losses to someone else, their car or property.
What’s Not Covered in Electric Car Insurance by Digit?
Here are some situations which are not covered under electric vehicle insurance policy:
Own Damages for Third-Party Policy holder
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
Drunk Driving or without a Licence
You can’t make a claim if the driver was driving drunk or without a valid driving licence at the time of mishap.
Driving without a valid Driving Licence holder
In case of an accident if the driver is found with a learner’s licence or without a valid driving without a valid driving licence, no claim is registered.
Consequential Damages
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged electric car is driven incorrectly and the engine gets damaged) will not be covered.
Contributory Negligence
Any contributory negligence (e.g., damage due to driving the electric car in a flood, which is not recommended as per the manufacturer’s driving manual) will not be covered.
Add-ons not Bought
If you haven’t bought an add-on, the corresponding benefits will not be covered, and hence no claim will be provided against them.
Add-on Covers with Electric Car Insurance by Digit
Car insurance add-ons which you can buy with your car insurance policy
EV Shield Cover
EV Shield add-on cover compensates you in case of loss or consequential damage to your EV or Hybrid Vehicles (petrol/diesel + electric), including loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and roadside assistance services related to EV’s battery issues.
Zero Depreciation Cover
The zero depreciation cover removes the depreciation amount charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.
Tyre Protect Cover
This tyre protect add-on gives you the benefit of safeguarding and covering for tyre damage such as tyre bursts, bulges or cuts during all other situations possible.
Breakdown Assistance
We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of getting help whenever required, i.e. assistance during car breakdowns at any time you'd like – and it doesn't even count as a claim!
Consumable Cover
A consumable cover covers the cost for all your electric car's nitty-gritties, such as screws, nuts and bolts, grease, etc., in case of an accident.
Pay As You Drive Cover
Pay as you drive cover allows the policyholder to pay only as per the kilometers covered by the insured EV, which is up to 10,000 km. The option to top up kilometers is also offered under the base policy by paying additional premium.
Daily Conveyance Benefit
The Daily Conveyance Benefit add-on compensates the policyholder for daily transport in the form of a fixed daily allowance or a standby vehicle for the time when the insured electric vehicle is in the garage for repair.
Key and Lock Protect
The cost of repairing or replacement of the lockset in the car in case of theft, loss or damage is covered by the insurer as part of the Key and Lock Protect add-on cover.
Loss to Personal belongings
If the policyholder or any immediate family member suffers from any loss of personal belongings specified as per the policy when kept in the insured EV, it shall be compensated by the insurer under this add-on.
Return to Invoice Cover
With return to invoice add-on you get back the complete amount of your car's invoice value in case of theft or damage beyond repair, including the cost of registering a new vehicle and its road tax respectively.
Why Customers Trust Digit Car Insurance?
1.2 Crore+
Policies Sold
75 Lacs+
Cars Insured
8 Lacs+
Claims Settled
3000 Crore+
Paid-in Claims
96% Claims Settled
FY'25
9000+
Cashless Garages
Disclaimer: "The total no of claims settled since inception till 31st December 2024" Disclaimer: "The total no of unique private car vehicles insured since inception till 31st December 2024" Disclaimer: "The total amount of claims paid since inception till 31st December 2024" Disclaimer: This Claim Settlement Ratio is calculated for Overall Motor line of business of Digit. CSR Is calculated for FY'25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End) |"Disclaimer: The total count of network garages as of 31st December 2024"
Why Choose Electric Car Insurance by Digit?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Electric Car Insurance by Digit
Electric Car Insurance Plans That Fit Your Needs
Third-party Liability
Comprehensive Car Insurance
Standalone Own Damage
Third-Party vs Comprehensive vs Own Damage Electric Car Insurance Policy
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident Covers for damages to your own car in case of an accident or collision. |
×
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✔
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✔
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Damages/Losses to own car in case of fire Covers for damages and losses to your own car caused due to a fire. |
×
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✔
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✔
|
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Damages/Losses to own car in case of a natural calamity Covers for damages and losses caused to your own car due to a natural calamity such as floods, earthquakes, cyclone, etc. |
×
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✔
|
✔
|
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Damages to Third-Party Vehicle Covers for damage caused by your car to any third-party vehicle, up to 7.5 lakhs. |
✔
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✔
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×
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Damages to Third-Party Property Covers for damages and losses caused by your car to any third-party property, to up to 7.5 lakhs. |
✔
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✔
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×
|
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Personal Accident Cover Covers for owner-driver's bodily injuries or death. (Mandatory by law, one can opt in for the same if they don’t have one already). |
✔
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✔
|
×
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Injuries/Death of a Third-Party Person Covers for bodily injuries or death caused by your car to any third-party person, up to unlimited liability. |
✔
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✔
|
×
|
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Theft of your car Covers for losses if your car is unfortunately stolen. |
×
|
✔
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✔
|
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Customize your IDV Customize the IDV of your car as per your choice and consequently adjust your car insurance premium accordingly. |
×
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✔
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✔
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Extra protection with customized add-ons Give your car an extra layer of protection with customized add-ons such as tyre protect cover, engine and gearbox protection, zero depreciation add-on, etc. |
×
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✔
|
✔
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Know more about:- Difference between Comprehensive and Third Party Insurance.
Electric Car Insurance Own Damage Premium Price
Disclaimer - The premium calculation is done for Tata Nexon EV Prime XM, including GST, for ex-showroom Delhi, given the NCB is 50%, no add-ons, previous policy is not expired, & IDV is the lowest available.
How to Buy Electric Car Insurance with Digit?
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Electric Car Insurance Premium Calculator
Car insurance premiums for private electric cars are based on many factors, like kilowatt capacity, make, model, and age.
However, Insurance Regulatory and Development Authority of India (IRDAI) has fixed the electric car insurance rates for the mandatory third-party electric car insurance in India. So, the new electric cars in India are already covered under 3rd party policy for three years.
Also, as a measure to promote electric vehicles in India, IRDAI has set a 15% discount on third-party insurance premium rates for EV, as compared to petrol and diesel vehicles.
Digit's Cashless Garages
Get cashless repairs at 9000+ garages across India
List of the Best Electric Cars in India in 2025
Now that you know everything about electric car insurance, go through the list of top electric cars in India to know which is the most suitable for you and switch to environment-friendly vehicles today.
Note: All prices here are the ex-showroom price in Delhi.
FAQs about Electric Car Insurance
Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.