Electric Car Insurance

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9000+ Cashless

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96% Claim

Settlement (FY24-25)

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24*7 Claims

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Up to 90% Off with PAYD Add-On
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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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9000+ Cashless

Network Garages

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96% Claim

Settlement (FY24-25)

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24*7 Claims

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Electric Car Insurance: EV Insurance for Electric Vehicles Online

what is electric car insurance

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?

What’s Covered in Electric Car Insurance by Digit?

Hatchback Damaged Driving

Accidents

Damages and losses that may arise out of accidents and collisions

Getaway Car

Theft

Covers for the losses incurred when your car is unfortunately stolen

Car Got Fire

Fire

Damages and losses caused to your car due to an accidental fire

Natural Disaster

Natural Disasters

Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.

Personal Accident

Personal Accident

If there is a car accident and unfortunately, it leads to death or disability of the owner

Third Party Losses

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:

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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 icon

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.

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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 icon

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 icon

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 icon

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 Add-on Cover icon

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 icon

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 icon

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 icon

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 icon

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 icon

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 icon

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 icon

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 icon

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 icon

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?

stats

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

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

Key Features Digit Benefit
Premium  Starting from ₹1780 
Customizable Add-Ons  12 add-ons available 
Cashless Repairs  Available at 9000+ Garages with Doorstep Pickup & Drop 
Claim Process  Smartphone-enabled claim process. Can be done online within 7 minutes! 

Electric Car Insurance Plans That Fit Your Needs

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Third-party Liability

A third-party car insurance for electric car is one of the most cost-effective types of car insurance that is also mandatory by law in India. This plan covers your electric vehicle against damages and losses caused to a third-party person, vehicle or property.
car-full-circle-chart

Comprehensive Car Insurance

Comprehensive electric car insurance offers the maximum coverage by covering your vehicle against both third-party liabilities and damage to your own electric car as well. It provides enhanced coverage and allows customisation by offering a list of add-ons that you can choose as per your requirements.
standalone cover

Standalone Own Damage

OD policy covers loss and damage due to accidents and collisions, natural calamities, fires, and thefts but only to your own electric car.

Third-Party vs Comprehensive vs Own Damage Electric Car Insurance Policy

Third-Party

Comprehensive

Own Damage

×
×
×
×
×
×
×
×
×
×

Electric Car Insurance Own Damage Premium Price

Registration Year Premium (for Own Damage only policy)
June 2022  ₹14,725 
June 2023  ₹14,850 
June 2024  ₹14,850 

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?

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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

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. 

Cashless Garages by Digit

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.

Name of the Model

Ex-showroom Price of the Model
MG Comet EV Starting ₹6.99 Lakh
Tata Tiago EV Starting ₹7.99 Lakh
Tata Punch EV Starting ₹10.99 Lakh
Citroen eC3    Starting ₹11.61 Lakh
Tata Tigor EV Starting ₹12.49 Lakh
Tata Nexon EV Starting ₹14.49 Lakh
Mahindra XUV400 EV Starting ₹15.49 Lakh
MG ZS EV Starting ₹18.98 Lakh
Hyundai Kona Electric Starting ₹23.84 Lakh
BYD Seal  Starting ₹41 Lakh
Kia EV6 Starting ₹60.95 Lakh
Porsche Macan EV Starting ₹1.65 Crore
Lexus LM   Starting ₹2 Crore
Mini Cooper SE 2024 Starting ₹55 Lakh
Mercedes-Benz EQA Starting ₹60 Lakh
Skoda Enyaq iV Starting ₹60 Lakh
Volvo EX90 Starting ₹1.50 Crore

Note: All prices here are the ex-showroom price in Delhi.

FAQs about Electric Car Insurance

Manasvi Gupta

Written By

Manasvi Gupta

mayur-black-white-test

Reviewed by:

Mayur Kacholiya