Vehicle and battery
- Collision and fire
- Theft
- Wear and degradation excluded
Insuring and comparing electric car cover
On an electric car, a third to a half of the value sits in the battery pack. So the question is not whether the car is insured, but in what circumstances that battery is.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The traction battery is usually insured as part of the vehicle under third-party liability plus third-party, fire and theft and under comprehensive cover: but only where the damage results from a covered event, such as a collision or fire. A technical fault, wear and natural degradation of the battery fall outside the cover. For those the manufacturer's warranty is the route.
If you have a rented or leased battery, it often does not fall under your car insurance. You insure that with the owner or lessor, and that is set out in the rental or lease contract. This is the point most often missed.
On electric cars, repairs run through a certified repairer. Firms working on high-voltage systems are trained to NEN 9140; insurers steer towards them specifically. That limits the choice of repairers and sometimes lengthens the turnaround time.
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What does insuring an electric car cover?
The structure of the cover in three parts, with an overview per situation below.
Charging accessories
The charging cable and mobile charger, including away from the vehicle.
- Theft while charging
- A lockable cable is recommended
- The limit differs per policy
Charge point
Which policy the charge point falls under depends on how it is fixed.
- Fixed to the home: buildings insurance
- Free-standing: home contents insurance
- Business site: buildings or business contents insurance
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another vehicle | Yes | Yes | Yes |
| Battery damage from a collision | No | Yes | Yes |
| A battery fire while charging | No | Yes | Yes |
| A charging cable stolen at a charge point | No | Sometimes | Sometimes |
| Loss of battery capacity through ageing | No | No | No |
| A rented or leased battery | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- List price including the battery pack: the main basis for calculation
- Make and model: repair costs vary widely
- No-claims years
- Annual mileage
- Charging situation: at home, at work or publicly
- Cover and excess chosen: often higher on an EV
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Degradation is not damage
The battery loses capacity over the years. That is a normal process and not a sudden event, so no insurer pays for it. What you do need to watch is the manufacturer's warranty: it usually covers loss of capacity below a certain percentage within a number of years or kilometres. Keep the warranty conditions with your policy, so that you know which route to follow if there are problems.
A rented battery is insured elsewhere
With a number of makes and lease contracts the battery is not owned but rented. It then does not fall under the own-damage cover of your car insurance. The lessor or leasing company arranges that. Check your contract, because with damage to a battery worth tens of thousands of euros this is the difference between a phone call and an invoice.
Which policy the charge point falls under depends on how it is fixed
A charge point fixed to your home is insured through the buildings insurance (opstalverzekering). If it stands free on your property, it usually falls under the home contents insurance (inboedelverzekering). On a business site it runs through the buildings or business contents insurance. In none of those cases through the car policy, although people assume it is.
Fire spreads further
The chance of a battery fire is small, but if it happens the damage is large and hard to extinguish. In a garage, carport or shared car park it can spread to the building and to other vehicles. So look not only at your car policy but also at your buildings and liability cover, and tell the VvE (Dutch owners' association) or landlord that you charge an electric vehicle.
Frequently asked questions
This is what people ask us most.
Is my battery insured?
As part of the car it usually is, but only for damage from a covered cause such as a collision or fire. A technical fault, wear and loss of capacity fall outside it. For those the manufacturer's warranty is the route.
And if I rent the battery?
It then often falls outside your car insurance. The owner or leasing company arranges that; check your rental or lease contract before you assume it is covered.
Is my charging cable insured?
On many policies it is, as an accessory, including away from the vehicle, for instance if it is stolen while charging. Use a lockable cable and check the limit in your conditions.
Which policy does my charge point fall under?
Fixed to the home under the buildings insurance, free-standing under the home contents insurance, and on a business site under the buildings or business contents insurance. Not under the car policy.
Who may repair my electric car?
A repairer trained to work on high-voltage systems, to NEN 9140, or the franchised dealer. Insurers steer towards this, which limits the choice and sometimes lengthens the turnaround time.
Is the premium higher than on a petrol car?
Often it is, because of the higher list price and more expensive repair costs. Some insurers also apply a higher excess for electric cars.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Insuring electric vehicles
- Electric driving and your insuranceBattery, charge point, own-damage cover
- Insuring a PolestarPolestar, value over time, security, repair
- Insuring a hybrid carBattery pack, high voltage, charging cable
- Car insurance for the Volkswagen ID.3Electric, charging in the street, battery degradation
- Insuring a Porsche TaycanPorsche Taycan, value over time, security, repair
- Insuring a hybrid carHybrid, battery, repair costs
- Insuring a BMW i3BMW i3, value over time, security, repairs
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.