Insurance

Electric Car Insurance 2026

March 1, 2026

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7 min

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checkeverything.ch Team

Electric car insurance 2026: Specifics for EVs in Switzerland. Battery coverage, charging station, costs compared to combustion vehicles.

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Electric Car Insurance: What You Need to Know

Electric vehicles have special insurance needs. From battery coverage to charging stations – here's everything important for 2026.

What's Different About EVs?

Aspect	Combustion Vehicle	Electric Vehicle
Most Expensive Component	Engine (approx. 15% vehicle value)	Battery (up to 50% vehicle value)
Repair Costs	Standardized	Often higher (specialists required)
Fire Risk	Normal	Rarer, but more intense
Additional Equipment	Less relevant	Charging cable, wallbox

Insurance Types for EVs

Liability Insurance

Motor vehicle liability insurance is mandatory:

Coverage	Details	EV-specific
Personal Injury	Unlimited	No difference
Property Damage	Min. CHF 5 million	No difference
Premium	Based on vehicle value, power	Often cheaper (fewer HP)

Comprehensive Insurance: Full or Partial?

Coverage	Partial	Full
Theft	✓ Yes	✓ Yes
Fire	✓ Yes	✓ Yes
Natural Events	✓ Yes	✓ Yes
Glass Breakage	✓ Yes	✓ Yes
At-fault Accidents	✗ No	✓ Yes
Vandalism	✗ No	✓ Yes
EV Recommendation	Older EVs	New EVs (high value)

Recommendation: Due to high new car prices and expensive repairs, full comprehensive is recommended for new EVs.

EV-specific Coverage

Battery Insurance

The battery is the heart and most expensive part of an EV:

Risk	Standard Comprehensive	Special Coverage
Accident Damage to Battery	✓ Covered	✓ Covered
Fire	✓ Covered	✓ Covered
Short Circuit/Overvoltage	Partially	✓ Covered
Deep Discharge	✗ Not covered	Depends on provider
Capacity Loss (Wear)	✗ Not covered	✗ Warranty matter

Important: Check if comprehensive explicitly covers battery damage from electrical defects.

Charging Cable and Wallbox

Charging accessories should be co-insured:

Accessory	Value approx.	Insurance
Included Charging Cable	CHF 300-600	Car insurance (comprehensive)
Mobile Charger	CHF 500-1,500	Car insurance (comprehensive)
Wallbox (permanently installed)	CHF 1,500-5,000	Building insurance

Roadside Assistance for EVs

Not every roadside assistance can tow EVs:

Special tow trucks needed (all-wheel drive protects the motor)
Mobile charging services from some insurers
Range breakdowns often not covered

Tip: Look for EV-specific roadside assistance in the policy.

Costs: EV vs. Combustion Vehicle

Premium Comparison 2026

Vehicle Type	Example	Full Coverage/Year approx.
Compact Combustion	VW Golf	CHF 900-1,200
Compact EV	VW ID.3	CHF 950-1,350
Premium Combustion	BMW 3 Series	CHF 1,400-1,900
Premium EV	Tesla Model 3	CHF 1,500-2,100
SUV Combustion	Audi Q5	CHF 1,600-2,200
SUV EV	Tesla Model Y	CHF 1,700-2,400

Conclusion: EVs are often 5-15% more expensive to insure due to higher repair costs.

Factors Affecting Premiums

Factor	Impact on Premium
New Car Price	Higher price = higher premium
Motor Power (kW)	More kW = higher premium
Repair Costs	EVs often more expensive (specialists)
Spare Part Availability	New to market = more expensive
Theft Risk	EVs often lower (GPS tracking)

Savings Tips for EV Insurance

1. Use Eco Discounts

Many insurers offer discounts for EVs:

Up to 10% eco discount with some providers
Discount for low mileage (home office)
Bonus for claim-free driving

2. Optimize Deductible

Deductible	Premium Effect	Recommended for
CHF 0	Highest premium	High-mileage drivers, high accident risk
CHF 500	Moderate savings	Standard recommendation
CHF 1,000+	Highest savings	Low-mileage, experienced drivers

3. Compare Annually

Premiums change yearly – comparison pays off:

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Checklist: EV Insurance

✅ Your EV Insurance Should Include

☐ Battery explicitly covered (incl. electrical defects)
☐ Charging cable and adapters covered
☐ Wallbox damage (check if building insurance)
☐ EV-specific roadside assistance
☐ New car replacement value at least 12-24 months
☐ Parking damage coverage
☐ Eco discount requested

FAQ

Are EVs more expensive to insure?

Generally yes, about 5-15% more expensive than comparable combustion vehicles. Reason: higher repair costs and vehicle values.

Is the battery covered in comprehensive?

Yes, accident and fire damage to the battery are covered. Electrical defects only with some providers. Wear and capacity loss are never covered (warranty matter).

Do I need special EV insurance?

No, regular car insurance is sufficient. But check the EV-specific coverage (battery, charging cable, roadside assistance).

Is my wallbox insured?

Permanently installed wallboxes are part of building insurance, not car insurance. Check your home contents policy.

Are there discounts for EVs?

Yes, some insurers offer eco discounts of up to 10%. Ask specifically.

Conclusion

EV insurance 2026 differs in several points from classic car insurance:

Battery coverage – check explicitly
Full comprehensive recommended due to high vehicle values
Charging accessories – have them co-insured
EV roadside assistance important
Compare annually – offers change

With the right insurance coverage, you're prepared for all eventualities.

Legal Notice: The information in this article is for informational purposes only. Premiums and coverage vary by provider and personal situation. Binding information is available directly from insurance companies.