EV car insurance: compare Type 1 electric car cover
Enter your electric car's details and see Type 1 prices from the insurers that cover that model. Free, with no need to buy straight away.
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What is EV car insurance?
EV car insurance is voluntary motor insurance for cars powered only by electricity from a battery, known as BEVs. Since 2024 the OIC has set a separate policy form for these cars, so every insurer uses the same standard wording. The form does not cover cars converted from petrol engines, and hybrids and plug-in hybrids are outside its definition. The cover is built like ordinary car insurance: liability to third parties, theft and fire, and damage to your car. What it adds is wording on the high-voltage battery, charging cables, chargers and the software that controls the car. The EV policy is also a named-driver policy. On GengMak, from 17 September to 16 October 2026, the electric cars customers entered were priced for Type 1 only, so the form above starts on Type 1. This page explains what Type 1 covers for an EV, what to check on the battery and charger, and how to compare plans.
What does Type 1 EV insurance cover?
Type 1 is the widest cover. For an electric car it includes the following, within the limits and terms of the policy.
- Accident damage to your car, from a collision with another vehicle or a single-car accident with no other party
- The high-voltage battery when it is damaged by an insured event; if the whole pack has to be replaced, the insurer pays according to the battery's age
- The portable charging cable that came with the car, or one bought later and declared to the insurer, which counts as part of the car
- Theft of the whole car
- Fire, including a fire that starts in the car itself, under the policy terms
- Flood, depending on the plan: some plans cap or exclude it, so check the quote
- Liability for third-party death and injury above the compulsory (พ.ร.บ.) limits, and for third-party property
- Many plans include medical expenses, personal accident and driver bail bond cover; the limits depend on the plan
The actual cover and limits follow each insurer's policy, and each plan's details are shown on the quote results. Type 1 is not compulsory insurance, so every car still needs separate compulsory (พ.ร.บ.) cover.
What does EV insurance not cover?
These exclusions are in the OIC's standard EV policy form. They are worth knowing before you claim.
- Wear and ageing of the car or battery, such as a battery holding less charge as it gets older
- Electrical, mechanical or software faults that happen on their own, not from an accident
- EV chargers, such as a wall box installed at home, are not part of the car's cover and need add-on cover for a personal charger
- Damage caused by an outsider hacking or taking control of the car's software without the maker's or dealer's permission
- Fire or damage caused by repairing or modifying the battery, when the technician is not the maker's or dealer's, not certified and not approved by the insurer
- Extra damage caused by driving or using the car when it should have been repaired first
These are some of the main exclusions. The policy has other general exclusions too, such as illegal use or drink driving. Read the full terms of a plan before you buy.
Does EV insurance cover the battery?
Yes, when the battery is damaged by an insured event such as an accident, fire or flood. It does not cover ageing, so a battery that holds less charge after several years of use is not a claim. For that, look at the maker's battery warranty. If the damage is bad enough that the whole battery pack has to be replaced, the OIC's EV policy form pays according to the battery's age, as a share of the dealer's price for a new battery at the time of the loss. The age counts from the day you took delivery of the car or the start date on the battery warranty, whichever came first.
| Battery age | Insurer pays (share of a new battery's price) |
|---|---|
| Up to 1 year | 100 per cent |
| Over 1 year, up to 2 years | 90 per cent |
| Over 2 years, up to 3 years | 80 per cent |
| Over 3 years, up to 4 years | 70 per cent |
| Over 4 years, up to 5 years | 60 per cent |
| Over 5 years | 50 per cent |
From the EV policy form the OIC introduced in 2024. The actual terms are those in the policy of the plan you choose.
The owner pays the part the insurer does not, and the old battery's salvage is shared between you and the insurer in the same proportion. Some plans offer Battery Replacement add-on cover, where the insurer fits a new battery or pays the value of the battery the car left the factory with, without using this table. The older the battery, the bigger the difference this add-on makes, but whether it is available depends on the plan and insurer. If the battery is replaced after a claim during the policy year, the insurer will ask you to choose: raise the sum insured to the new battery's value and pay extra premium, or keep the sum insured and have the old battery's age used in the table. If you replace the battery yourself, tell the insurer so the sum insured can be adjusted before anything happens.
Does insurance cover the wall box and charging cable?
The EV policy form treats the portable charging cable and the charger separately, so their cover is different.
Portable charging cable
The cable that came with the car, or one bought later and declared to the insurer, counts as part of the car. It falls under Type 1's damage, theft and fire cover under the policy terms. If you buy an extra cable, tell your insurer.
Home charger (wall box)
A personal charger, including the cable fixed to it, is not part of the main cover. It needs add-on cover for a personal EV charger, which pays for accident damage while charging, up to the stated limit. Some plans include it and others sell it as an extra.
It must be installed to standard
Personal charger cover applies once the charger is installed following the car maker's or charger maker's installation manual. Misuse, or modifying and repairing it against the maker's instructions, means it cannot be claimed.
Charger software
This add-on does not cover damage from software updates the maker has not approved, or from not installing the updates the maker recommends. Manufacturing and design defects are not covered either; those are a matter for the product warranty.
Hitting someone else's charger
If your car damages someone else's property, such as a charger at a mall or petrol station, that is liability for third-party property, within the policy's limits and terms.
Running out of charge on the road
Some plans include roadside assistance that tows the car to a charging point when the battery runs flat on a trip. The distance and number of call-outs depend on the plan, so check the plan details before you buy.
Charger limits and add-on details differ between insurers. Check them on the quote results, or ask our team on LINE before you pay.
Where are EVs repaired: dealer or garage?
Electric cars have high-voltage systems and batteries that need trained technicians and special tools. When you choose a Type 1 plan, check whether it is dealer repair at the brand's service centre or garage repair at the insurer's partner garages, and whether a partner garage near you repairs your brand of EV. The EV policy form says damage or fire caused by repairing or modifying the battery is covered when the work is done by the maker's or that brand's dealer's technicians, by technicians certified by the relevant authority, or by technicians the insurer approves. If you want the battery repaired outside the dealer, ask the insurer first every time. If parts have to be ordered from abroad, the policy form limits the insurer's liability to the import price by sea freight. If you want parts flown in to get the car back sooner, the difference may be yours to pay, so agree it with the dealer and insurer before parts are ordered.
Are EVs covered for fire and flood?
Two things EV owners often worry about. Type 1 covers both under the policy terms, but there are points to know.
Fire
Type 1 covers fire damage to the car, including a fire that starts in the car itself, under the policy terms. The exclusion to know is fire caused by repairing or modifying the battery by a technician who is not the manufacturer's or dealer's, not certified, and not approved by the insurer.
Fire while charging
Damage to the car from a fire while charging falls under Type 1's fire cover under the policy terms. A home charger needs add-on charger cover, and your own home and belongings are not covered by car insurance.
Flood
It depends on the plan. Many Type 1 plans cover flood damage to the car, including a battery damaged by water, but some cap or exclude flood, so check the flood limit in the quote and the policy. If the whole battery pack has to be replaced, payment follows the battery age table above, unless the plan has Battery Replacement cover.
Flooded car: don't start it or charge it
If the car has been under water or water reached the floor, don't switch it on, drive it or plug it in. Tell the insurer so the car can be towed for inspection. Under the policy, extra damage caused by using the car before necessary repairs is the owner's responsibility.
Getting ready for the rainy season
If your home or workplace floods often, read the plan's flood terms before you buy and check whether it includes emergency towing. Park on high ground when warnings are issued, and keep the claims number in your phone.
How is EV insurance different from petrol car insurance?
The core Type 1 cover is similar: your car, theft, fire and third parties. These are the differences worth knowing.
A separate policy form for battery electric cars
Battery electric cars use the OIC's EV policy form, while petrol cars use the general motor policy. That is why the wording on the high-voltage battery, charging cables and chargers sits in the EV policy.
Battery paid by age
The high-voltage battery is a core part of an electric car, so the policy has a table that pays by battery age when the whole pack is replaced, with Battery Replacement offered as an add-on.
Charging cables and chargers
The portable charging cable counts as part of the car, while a personal charger needs add-on cover. Petrol cars have no equipment like this.
Sum insured includes the battery
An EV's sum insured includes the battery's value. If the battery is replaced during the year, tell the insurer so the sum insured can be adjusted; otherwise payment uses the old battery's age.
Named drivers
The EV policy has been a named-driver policy from the start. If someone not named on the policy is driving when something happens, you are still covered but pay the excess the policy sets, unless an identified other party is at fault and the insurer can recover from them.
Plans available now
From 17 September to 16 October 2026, petrol cars entered on GengMak were priced for Type 1, 2+ and 3+ by many insurers, while electric cars were priced for Type 1 only, by 4 insurers.
How to compare EV insurance and find the right plan
The cheapest premium isn't always the best fit. Look at these 8 things together before you choose.
Does the insurer cover your model?
Not every insurer covers every EV brand and model. Enter your car's details in the form above to see which insurers offer a price for it.
Sum insured close to the car's value
The sum insured is what the insurer pays if the car is stolen, burnt out or written off. Choose one close to the car's real value; if it is too low, the payout may not be enough to replace the car.
How the battery is paid
Check whether the plan pays by the battery age table or has Battery Replacement cover. The older the battery, the bigger the gap between the two.
Your home charger
If you have a wall box, check whether the plan includes personal charger cover, what the limit is, and whether your charger was installed following the maker's manual.
Dealer or garage repair
Check the plan's repair type and whether a dealer or garage near you can repair your brand of EV, so the car doesn't have to be towed far when you claim.
Drivers and excess
Name everyone who drives the car regularly, and check the plan's excess: both the one you choose to lower the premium and the one for drivers not named on the policy.
Third-party limits and extra cover
Check the limits for third-party death, injury and property, plus medical expenses, personal accident and driver bail bond cover, which vary from plan to plan.
How to pay
Many insurers offer instalments, without a card by Auto Debit or a monthly QR, or with a participating credit card. The number of instalments and the minimum depend on the insurer and payment method. Some insurers only take full payment.
How is EV insurance priced?
There is no set price for EV insurance. Each insurer works it out from the car and driver details. The main factors are the make, model, year and variant, the sum insured, the repair type, the excess, the named drivers and your claims history. Add-ons such as Battery Replacement or charger cover also change the premium. The EV policy gives a no-claims discount when there was no claim the previous year, and may raise the premium at renewal after several at-fault claims, under the policy terms. The most accurate way is to enter your car's details in the form above and see real prices from several insurers at once. It's free, with no need to decide straight away.
Insurers that priced EVs on GengMak
From 17 September to 16 October 2026, the electric cars customers entered were priced for Type 1 by these 4 insurers. Tap an insurer to read more about it.
- Allianz Ayudhya car insurance
- Muang Thai Insurance car insurance
- Thanachart Insurance car insurance
- Indara Insurance car insurance
This list is not a ranking and may change with each insurer's underwriting rules. Which insurers offer a price for your car depends on its make, model and age; the actual list appears after you enter your car's details.
Why compare EV insurance on GengMak
- Licensed Thai insurance broker (OIC licence ว00016/2566)
- Compare prices from several insurers in one form
- Free quotes, with no need to buy straight away
- Pay in instalments with or without a credit card, subject to the insurer and payment method
- Your policy arrives as an email link and a LINE message
- Our team answers questions on LINE and by phone