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Electric van insurance

Find cheap insurance for electric vans

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Compare cheap van insurance quotes from 36 providers¹

Find cheap commercial and private van insurance quotes available through major van insurance companies, including:

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1 Accurate as of February 2024

What is electric van insurance?

In the UK, you are legally required to take out insurance to drive an electric van. Insuring your electric van doesn't usually require any specialist policy, and standard van insurance will offer you the same cover as it would for a petrol or diesel van. Although, depending on your provider, you may be offered special cover for batteries, home charging points, and more.

If you own an electric van for personal use, you will need to take out a policy to cover you and any named drivers that will be driving your van. If you are using an electric van for work that belongs to your employer, your employer may add you as a driver to an existing business van insurance policy, otherwise you will need to take out one for yourself.

van driving on motorway

What type of electric van cover do I need?

As with standard van insurance, there are usually three different levels of cover to choose from: 

  • 1

    Fully comprehensive

    Covers your vehicle if it’s accidentally damaged by you or another driver, or by fire or theft. It also covers any damage you cause to other people or vehicles while you’re driving

  • 2

    Third-party, fire and theft

    Provides third-party-only protection, as well as cover for damage caused by fire, lightning, explosion, theft or attempted theft 

  • 3

    Third-party only

    Third-party only insurance is the minimum level of cover with which you can drive an electric van. It covers damage to another person’s vehicle or property – but not to your own 

What add-ons can I get with my electric van insurance?

Depending on your provider and policy, there are additional cover options that you can add to your policy in exchange for higher premiums.

Some of the most common cover add-ons are:

  • Plus

    Breakdown cover

    Some providers will offer breakdown cover with electric van insurance. This provides emergency roadside assistance if you break down

  • Plus

    Courtesy van

    Sometimes offered with breakdown cover, this cover will provide you with a replacement vehicle while your electric van is being repaired

  • Plus

    Legal expense cover

    Legal cover will offer additional support to cover legal fees related to an accident and may even compensate you for loss of earnings

  • Plus

    No-claims discount protection

    You have the option to protect your no-claims discount, which allows you to make a certain number of claims on your policy up to a limit without affecting your no-claims discount

  • Plus

    European cover

    Standard electric van insurance will offer basic third-party cover for driving in Europe but some providers give you the option to extend your European cover

  • Plus

    Named drivers

    You can add up to three additional drivers to your policy and give them the same level of cover to drive your electric van

How to get cheap electric van insurance

The best way to find a good deal on electric van insurance is to compare the policies on offer from a range of different insurers. With MoneySuperMarket, it only takes a few minutes to compare electric van insurance from many of the UK’s leading insurers.  

Other steps you can take to lower the cost of electric van insurance include: 

  • Choose a low insurance group van

    When shopping for an electric van, choosing one that falls into a lower insurance group can help to cut your premiums

  • Lower your mileage

    Reducing the time your electric van spends on the road can help to lower your costs, as it means you’re less likely to be involved in an accident

  • Pick a higher voluntary excess

    Choosing to pay a higher voluntary excess towards any claims shows insurers you are not going to make lots of small claims

  • Take extra security measures

     Insurers sometimes offer discounts when you take steps to keep your electric van more secure, such as parking it in a locked garage overnight

Sarah Tooze

Our expert says


Diesel is often the default choice for vans - it still accounts for most new van registrations. But there are plenty of reasons to consider an electric van, especially if you work out everyday running costs rather than just the upfront price. Business owners that have made the switch to electric often say how popular their decision has been with customers and an electric van can be ideal for last-mile deliveries.

- Sarah Tooze, Car & Van Insurance Expert

What do I need to get an electric van insurance quote?

To compare quotes for electric van insurance, there is some information that you will need to have on-hand to answer our question set. These are:

  • Tick

    Personal details

    You will need to provide some basic information about your personal details, including your name, address, and licence information

  • Tick

    Van information

    Your insurer will need to know the make and model of your van and its age as well as when and how your purchased it

  • Tick

    Your claims history

    You will need to provide basic details about any insurance claims you have made and details of your no-claims discount

  • Tick

    Van usage

    You will need to inform your provider if you plan to use your van for work because you may need to take out business van insurance cover

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If you are driving an electric van, you are legally required to take out insurance for it. The minimum level of cover you can take out to drive on UK roads is third-party-only cover.

Yes, you can find electric van insurance that will cover multiple vans or even a fleet. Multi-van insurance and fleet insurance are policies aimed at business owners that want to insure multiple vans to be driven by multiple drivers. This means that the terms of these policies may be different than they would for a personal policy.

These are specialist policies that MoneySuperMarket may be unable to provide quotes for.

Using electric vans for your business fleet can be good for your reputation as it shows your customers you are serious about managing your environmental impact. On top of the various discounts and exemptions (you can claim up to 1000 plug-in van and truck grants for your business each year), having electric vans also allows you and you employees to benefit from tax breaks, such as: 

  • Thanks to a 100% first year capital allowance, you can offset the cost of buying new electric vans against your company tax bill

  • Employee company car tax on electric vehicles is lower than on conventional vehicles

If you need to insure more than one electric van for your business, you can also save money by taking out fleet van insurance to cover all your drivers and vehicles.

Some comprehensive electric van insurance policies can offer cover for batteries - even ones that have been leased. However, this can depend on the policy you've chosen and some providers may not be willing to offer any cover for leased batteries.

Policies that do cover leased batteries will typically pay out if it is damaged in an accident and won't cover failure of the battery that isn't directly related to an accident. The policy will pay out to the prospective owner of the battery rather than giving the pay-out to the policy owner.

If your battery is leased, you need to inform your insurance provider. If you don't you may invalidate your policy and your claim maybe denied.

You won’t be able to buy a new petrol or diesel fuelled van after 2035 under government plans to boost take-up of electric vehicles. So, with petrol prices at record highs, choosing an electric van now could prove a wise move. The advantages of driving an electric van in 2023 include: 

  • Plug-in grant: you can get a 35% discount (capped at £2,500 for small vans and £5,000 for large vans) on most electric vans thanks to the governments plug-in grant, which is paid directly to vehicle dealerships and manufacturers. However, the grant is only available if the model you choose is government approved.  

  • No vehicle tax: electric vans have no emissions, so you won’t need to pay vehicle tax under current rules 

  • Electric vehicle (EV) chargepoint grant: receive £350 or up to 75% of the cost of purchasing and installing an electric vehicle chargepoint socket at your property. To be eligible, you must live in a rented property or own a flat with dedicated off-street parking.

  • No congestion charges: All fully electric vehicles are exempt from congestion charges such as the one in London under current rules 

  • Lower fuel costs: no more checking petrol or diesel prices 

  • Quieter driving: electric vans make very little noise compared to diesel or petrol vans 

  • Automatic and easy: you won’t have to worry about changing gears 

Electric vans are often more expensive to buy than conventional models. Other potential disadvantages of driving an electric van include: 

  • Charging time: electric van batteries can take up to 10 hours to fully charge the battery  

  • Range: Most new electric vans can cover at least 100 miles when fully charged, but they may not be the best choice for long-distance journeys 

  • Cold weather: cold weather can reduce the mileage your electric van can do, as can carrying heavy loads 

  • Repairs: as electric vans aren’t yet as popular as conventional vans, they can be more expensive to repair

The best electric van for you will largely depend on how you intend to use it. Things to consider when buying an electric van include: 

  • Buy or lease: you can choose to buy or lease an electric van, and in some cases, you can also choose to buy or lease the battery that powers it

  • Charging point: it can cost around £1,000 to install a charging point at your home or workplace, although home chargers can be subsidised by the government’s Electric Vehicle Homecharge Scheme

  • Warranty: most EVs come with battery and electric motor warranties of between five and eight years, but the warranties on the rest of the parts can vary a lot between manufacturers

  • Range: while new EVs can often do more than 250 miles on a single charge, older models can often do just 100 miles

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