Electric & hybrid car insurance
Cover your electric or hybrid vehicle with John Lewis Money Car Insurance
Our Defaqto-rated comprehensive car insurance offers flexible cover for the car you rely on - including electric and hybrid vehicles. Choose from two levels of cover, then tailor your policy with optional extensions and add-ons.
Why choose John Lewis Money Car Insurance?
John Lewis Money Car Insurance covers both electric and hybrid electric vehicles without needing specialist policies.
John Lewis Money Premier and Essentials comprehensive car insurance includes coverage to replace key parts such as your battery, charging cables, and home charging point. Terms and conditions apply.
Other benefits include:
No claims discount protection as standard for vandalism or being hit whilst parked.
Lifetime guarantee on work done by our approved repairers for as long as you own the car
5-star Defaqto rating on our Premier policy
What’s included in a John Lewis Money Car Insurance policy for EV owners?
Our policies are comprehensive, so they cover theft, fire, damage to your car, other people and their vehicles, as well as your battery, charging cables, charging point at your home address and liability. In addition, if you select our RAC Breakdown Cover add-on, you’ll also benefit from a battery boost to get you to the nearest electric vehicle charging point (not including hybrids).
There are two tiers of cover, Premier and Essentials. Our Premier cover includes everything in Essentials, but also offers enhanced coverage, higher limits and a guaranteed replacement vehicle as standard.
To see a comparison of cover levels, please see the cover table below. For more detailed information on what’s covered, please see the policy document.
 |  | |
|---|---|---|
Essentials | Premier | |
Comprehensive coverFor theft, fire and damage to your car, other people and their vehicles (even if you’re at fault). | Included | Included |
Compulsory excessThe minimum amount you'll pay if you need to make a claim (usually before the claim proceeds), as set by your insurer. | £300 | £100 |
Uninsured driver protectionCover if you're in an accident with an uninsured driver, protecting your no claims discount and excess. The person responsible for the accident must be traceable. | Included | Included |
What isn’t covered?
The following circumstances are some things that aren’t covered by a John Lewis Money Car Insurance policy. For more detailed information on what’s not covered, please see the policy document.
Misuse of the car battery or charging cables, which includes overcharging, undercharging, deliberate acts, or self-repair/replacement
The cost of repairing or replacing a non-functional battery, faulty charging cables, or faulty charging points
Theft, fire, vandalism, accidental, or malicious damage to any charging point not located at the home address shown in your policy schedule
Optional extensions and add-ons
You can tailor your Essentials or Premier cover with a range of extras, for an additional cost. These include:
No claims discount protection
If you’ve built up a no claims discount for four or more years, you can protect it for two fault claims in three years.
Motor Legal Protection
If you suffer injury, loss or property damage as a result of an accident that wasn't your fault, we’ll cover up to £100,000 of legal costs to pursue further compensation.
RAC Breakdown Cover
Choose from four levels of support, from Roadside to full European Breakdown Cover.
Guaranteed Replacement Vehicle
You’ll get a comparable replacement vehicle for up to 21 days in the event your vehicle is stolen and not recovered or is a total loss.
As standard with Premier
What is the difference between electric and hybrid cars?
An electric car doesn’t have a conventional engine that uses petrol or diesel fuel, it has an electric motor that requires electricity to work. As such, they don’t produce the harmful emissions associated with petrol or diesel cars, making them a greener option over their full lifecycle. However, it does mean that the car’s battery will need to be charged in order to use it.
A hybrid car is somewhere in between a standard car and a fully electric car, as it has a conventional engine that uses diesel or petrol but also has a battery. They’re useful when travelling long distances, or if you are going somewhere that doesn’t have an available electric charging point.
Both types of cars are covered by John Lewis Money Car Insurance for replacement of key parts such as your battery, charging cables, and home charging point.
EV and hybrid car insurance FAQs
Do I need specialist insurance for an electric or hybrid car?
No, not necessarily. While some insurers offer specialist EV insurance, often standard car insurance will cover EVs - like ours. Our standard car insurance has features including out of charge recovery and battery cover.
Does John Lewis Money Car Insurance cover damage to an electric battery?
Yes, if it is damaged due to an accident or theft then we will replace it.
Are EV and hybrid cars tax exempt?
Since 1 April 2025, owners of both new and existing hybrid and electric vehicles have had to pay tax. The amount you need to pay depends on the type of vehicle and when it was registered. To find out more, please see the guidance on gov.uk.
If a fire happens when charging my car, should I claim on my car or home insurance?
The growth in electric car ownership means more of us will be charging our cars at home.
People can get confused about whether to claim under their car or home insurance if a fire happens. It all depends on where the fire starts. If electrical wiring caused it, then it’s claimed under home insurance. If an EV fault caused it, then it’s claimed under car insurance.
What does the future hold for electric vehicles?
The government has recently announced that all new conventional petrol and diesel cars will be banned from being sold in 2030. New hybrid cars will still be for sale until 2035. This aims to help ease the transition to Zero Emission Vehicles. Vans of all fuel types (ICE, Hybrid and PHEV) will no longer be for sale after 2035. That means more of us are going to be buying and driving electric cars soon. Car manufacturers are already working on developing a new generation of cars, and we'll be seeing more of them on the road in the coming years.
Don’t have Car Insurance for your electric vehicle?
Find out more about our Premier and Essentials comprehensive cover.
John Lewis Money Car Insurance is a trading name of John Lewis Finance Limited. Registered in England No. 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Car Breakdown cover is underwritten by RAC Motoring Services a company registered in England (company number: 01424399) (FCA number 310208) having its registered office at RAC House, Brockhurst Crescent, Walsall, WS5 4AW.
Motor Legal Protection and Guaranteed Replacement Vehicle cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number:103274) (FCA number: 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
Pay monthly option for your car insurance is under a contract with Premium Credit Limited (a company registered in England with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful. Click here for more information. Missed or late repayments may affect your credit rating and access to credit in the future.
John Lewis plc. is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking. registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England No. 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.