The battery
- Collision, fire and theft covered
- Loss of capacity is wear
- With a leased battery, check the ownership
- Repair often only at a brand specialist
Electric driving and your insurance
The same forms of cover apply to an electric car as to a petrol car. The difference lies in the battery, the charging equipment and the way damage is repaired.
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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 basis is no different from any car: Third-party liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) as soon as the registration is in your name. On top of that you choose third-party, fire and theft or comprehensive cover. The distinction that really matters with electric driving lies in three items that do not arise with a fuel car: the battery, the charging cable and the charging equipment at home.
The battery is usually the most expensive part of the car. Damage to it from a collision, fire or theft falls under the own-damage cover, just like any other part. What it does not cover is loss of capacity through normal use: a battery that gives less range after some years is wear and not damage. If the battery is leased or hired from the manufacturer, it also matters who owns it; put that to the insurer in advance.
Charging equipment follows a different track. A charge point mounted on the wall usually falls under buildings insurance. A free-standing post on your own land often does not without a separate entry. The charging cable is a popular target for thieves and is by no means included in every policy. See also what damage car insurance covers.
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Three items that call for extra attention
With electric driving the difference lies not in the form of cover but in what falls within it.
Charging cable and adapters
Small in size, but often stolen and not always insured.
- Sometimes under accessories with a limit
- Theft from the car arranged separately
- A cable at a public charge point is a risk
- Keep the purchase receipt
Charge point and installation
Falls under the home policy, not the car insurance.
- Wall-mounted, usually under buildings insurance
- Free-standing, often insured separately
- Report it and adjust the sum insured
- Liability when third parties charge their vehicles
What is covered
| Situation | Third-party liability | Own-damage cover |
|---|---|---|
| Damage you cause to someone else with the car | Yes | Yes |
| Battery damage from a collision or fire | No | Yes |
| Theft of the charging cable | No | Provided that |
| Being stranded because the battery is flat | No | Provided that |
| Loss of battery capacity through ageing | No | No |
| Damage to the charge point at your home | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- List price of the car: electric models are often higher
- Engine power and weight: both count towards the rate
- Annual mileage: more kilometres, more risk
- No-claims years: registered in Roy-data
- Type of cover and excess: third-party liability, third-party, fire and theft, or comprehensive
- Additional sections: cable, breakdown assistance, replacement transport
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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 electric driving comes unstuck
Two points that most often lead to a lower payout when you claim.
Battery damage is not the same as battery wear
An own-damage policy pays for sudden and unforeseen damage. If the battery is damaged in a collision, fire or theft, that falls within it. If the capacity gradually declines through charging cycles and age, that is wear and therefore excluded. The factory warranty exists for that. Likewise, inherent defect and a mechanical or electronic failure without an external cause are not covered. If the battery is leased separately, have it recorded in writing who is entitled to the payout when there is damage.
Do not forget the charging equipment at home
The charge point at your home belongs not to the car but to the building. A wallbox mounted on the wall usually falls under the buildings insurance, provided you report the installation and adjust the rebuild value accordingly. A free-standing post often counts as an outbuilding or a separate installation. If you also charge other people's cars with it, your liability under Article 6:162 of the Dutch Civil Codecomes into play. Report these changes. The duty of disclosure under Article 7:928 of the Dutch Civil Code applies in full, and a breach can cost you the payout (Article 7:930 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is the battery of my electric car covered?
As a fixed part of the car, the battery falls under the own-damage cover for collision, fire or theft. What is not covered is loss of capacity through normal use and ageing. That is wear and falls under the factory warranty. If the battery is leased separately from the manufacturer, there is a third-party owner. Have it recorded in writing in advance how that is dealt with in the policy.
Do I pay a higher premium for an electric car?
That varies a great deal by model and insurer. Electric cars often have a higher list price and greater weight and power, which pushes the premium up. Against that, some insurers give a discount for zero-emission vehicles. What remains decisive is the value of the vehicle, your no-claims years and your annual mileage. A comparison based on your own details gives the answer.
Is breakdown assistance covered when the battery is flat?
Not automatically. Many breakdown covers exclude being stranded through lack of fuel, and a flat battery is often treated the same way. Insurers that focus on electric driving increasingly do include this, sometimes with a maximum number of call-outs per year. Read the wording in the conditions and, if in doubt, ask whether running out of charge is expressly included.
What if a fire starts while charging at home?
Fire is the core cover of car, buildings and home contents insurance alike, so damage to the house and the car is covered in principle. What matters is that the charging equipment was installed soundly by a recognised installer, and that you reported it. If the cause lies in faulty installation, that is a matter between you and the installer and the insurer may seek recovery.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Insuring a hybrid carBattery pack, high voltage, charging cable
- Polestar insurance: the battery, charging and the repair networkElectric, battery damage, charging
- Insuring and comparing electric car coverBattery pack, charge point, NEN 9140 repairs
- Insuring electric vehicles
- Insuring a Tesla ModelElectric, battery pack, repair network
- Insuring a PolestarPolestar, value over time, security, repair
- Electric vehicles: the battery, charging and fire riskBattery, charging, fire risk
Read more
Electric driving properly insured?
Request a quote without obligation. We look at the battery, the cable and the charging equipment.
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.