For a covered event it is, because the battery counts as part of the vehicle. In a collision, fire or theft the battery is therefore included in the assessment of the loss. If the battery gradually loses capacity, that is wear and there is no cover. Separate arrangements apply to a rented or leased battery pack; have them recorded on the policy schedule.

Excluded are damage from using unapproved charging equipment, damage from connecting it incorrectly and wear or ageing of the cable. Electricity costs and a fault in the charge point itself also fall outside the car policy. Fire arising while charging that spreads to your home falls under the buildings or home contents insurance, not under the car insurance.

Usually you do for own-damage cover, because the list price is higher and repairs are more expensive due to the high-voltage system. Against that, hybrids often fall into more favourable claims statistics. The net difference depends on the model, weight and insurer; that is precisely why a comparison based on one product says little.

Mechanical defects and inherent defects with no external cause, software updates and the cost of recalls, and damage during hire, driving lessons or carriage for payment. Driving without a valid licence or under the influence is excluded, as are intent and wilful recklessness under Article 7:952 of the Dutch Civil Code. See also insuring hybrid vehicles.