Insurance
EV Insurance 2026: Battery Protection & Special Rates
January 11, 2026
5 min
CheckAlle E-Mobility Team
Electric cars need special insurance! Full battery coverage, wallbox protection and no car tax until 2035. All info here!
EV Insurance 2026: The Complete Guide!
Electric cars are different – and need special insurance solutions. Here's everything you need to know!
Why EVs Need Special Insurance
- Battery costs: Up to €15,000 for a new battery
- Repair complexity: 30-35% more expensive than combustion
- Fewer accidents: 5-10% lower accident rate
- But: When it crashes, it gets expensive!
What Your EV Insurance Must Have
| Coverage | Why Important? |
|---|---|
| Battery all-risk coverage | Protection for damage, deep discharge, defects |
| New value compensation (24-36 mo.) | Full battery value without deduction |
| Wallbox + charging cable | Theft & vandalism covered |
| Overvoltage protection | Lightning strike while charging |
| Cyber protection | Hacker attacks on vehicle software |
Tax Benefits 2026 for EVs
- Vehicle tax: Exempt until end of 2035!
- THG premium: €175-240 extra annually
- New subsidy: €3,000-5,000 purchase bonus is back!
- Companies: 75% instant depreciation
Comprehensive or Partial Coverage?
For EVs: Always comprehensive! The battery is too valuable for partial coverage. Regardless of car age.
Conclusion: Find a Special Rate!
Not every insurer understands EVs. Compare now and find a rate with real battery protection!
EV
Electric Car
Insurance
2026
Battery