Electric Classic Car Insurance

Electric Classic Car Insurance


Do you own an electric classic car? Find the right cover at the right price with the help of the specialists at Lancaster Insurance Services and protect your electrified classic for the future.

Have you made the switch to electric yet? Many classic car owners have! Finding insurance for electrified classics is now easier than ever when you come to a specialist broker like Lancaster Insurance Services.

As classic car enthusiasts ourselves, we want to do everything we can to help owners preserve these wonderful vehicles for the future. That’s why the car insurance policies available through us can be tailored to those classic motors making the change.

Whether you’re hoping to plug in your classic Jaguar E-Type, Volkswagen Beetle, MGB or any other vintage vehicle, we’ve got you covered.

We can search our trusted panel of insurers for the most competitive rates around so contact Lancaster Insurance Services for a quote today and protect your electric investment.

What is electric car insurance?

If something unexpected happens to your classic electric vehicle, an insurance policy can help you get back on the road with minimum fuss.

At Lancaster Insurance Services, we’re passionate about vintage motors and understand what a big investment your electric vehicle is, which is why we offer protection tailored to your vehicle.

What’s covered with electric car insurance?

Our electrified classic car insurance plans are fully comprehensive, giving you the highest level of protection against accident, fire, and theft.

With electric car cover from Lancaster Insurance Services, your battery will also be protected when damaged because of an insured event.

How does classic electric car coverage differ from regular car?

Classic electric vehicle insurance in the UK is the same as regular car insurance in that you are covered against damage, fire, and theft.

You can also usually choose from similar optional extras like:

  • Breakdown cover
  • Courtesy car cover
  • Legal protection

The main difference is that some electric car cover policies are tailored specifically to protect the battery and charging equipment, too.

You will need to check your specific policy wording to understand what is and isn’t covered.

How much does electric car insurance cost in the UK?

Just like with classic car insurance, there is no specific price for electric vintage vehicle plans. The quotes you get for coverage depend on a variety of factors, including:

  • The make and model of your classic motor
  • Your vehicle’s age
  • Your driving history
  • Your age
  • Where you will park your car
  • Where you live
  • If you add it to a pre-existing multi-car insurance policy
  • Any optional extras you add

For a quick quote for your electric classic motor, contact the Lancaster Insurance Services team on 01480 484826 or request a call back.

Is electric car insurance more expensive than classic car cover?

As electric cars are still a relatively new concept, there isn’t as much data available on them regarding accidents, repairs and maintenance as there is with petrol or diesel models.

As insurers learn more about the costs involved in repairs, the cost of coverage should decrease.

What is electric car insurance excess?

When you take out electric vehicle insurance in the UK on your classic car, you’ll see the terms ‘compulsory excess’ and ‘voluntary excess’. What’s the difference?

  • Compulsory excess is a fixed amount set by your insurance provider which you need to pay when you make a claim.
  • Voluntary excess is an amount that you agree to pay on top of your compulsory figure when making a claim.

So, if you have a compulsory amount of £200 and a voluntary figure of £100, your total excess is £300. This means that if you must make a claim for £1,000, you will pay out £300 and your insurance provider will cover the rest.

If your vintage vehicle currently runs on petrol or diesel and you’re not sure whether to make the switch or not, consider these potential benefits.

  • Reduce your carbon footprint – electric cars produce zero emissions so they’re kinder to the environment.
  • Cost less to power – despite the increase in energy costs recently, electric vehicles still cost less to run than petrol or diesel cars per mile.
  • No congestion charge – electric car drivers can avoid paying congestion charges in big cities. The rules vary across the country, so check whether you need to apply for the exemption before driving there.
  • Cheaper parking – local councils in certain parts of the UK offer cheaper or subsidised spots for electric cars, and some are even free.
  • Very reliable – compared to their petrol and diesel counterparts, electric cars have fewer moving parts, which means they’re less likely to have maintenance issues.
  • Much quieter – if you’d prefer to glide along in relative peace and quiet, an electric car could be for you.

Is there a government grant for electric cars?

If you’re converting your classic car into an electric model, there won’t be any financial assistance available from the government. But if you’re buying brand new, you might be eligible for a grant.

You won’t be given the cash – it will simply be deducted by the seller and included in the purchase price.

The maximum grant currently available for cars is £2,500, and it only includes models that cost less than £35,000 new.

Can I use multi car insurance for electric cars?

Yes, if you already own one or more vehicles and would like to include them all on a multi vehicle insurance policy, you can add an electric car.

This is a great way to potentially save on your premiums while still giving your vintage vehicle the protection it deserves.

Can I insure two electric cars at once?

There are two ways you can cover two electric vehicles at the same time. You can take out a multi car insurance policy or two separate insurance plans.

If you choose to insure them both on the same policy, you might be able to save on your premiums.

Can I get temporary insurance for an electric car?

You can insure an electric car from as little as one day, if necessary, which might be useful if you need to drive it for someone else for a brief period.

Give our dedicated team a call on 01480 484826 and we can tailor a policy to your circumstances.

What is the difference between an electric car and a hybrid vehicle?

An electric car is powered solely by electrical sources, whereas a hybrid vehicle uses electric power as well as traditional petrol or diesel.

Both electric and hybrid cars can be charged at home or at a charging station. Some hybrid cars are also able to charge your battery while you’re driving on petrol or diesel.

Got a hybrid conversion you need to insure? Give our team a call so we can find the right cover for your motor.

How much does charging an electric car cost?

The price you pay to charge your electric car at home will be determined by your home energy tariff and the size of your electric battery.

You will also need to invest in a wallbox charger in order to charge your EV safely at home, which can cost around £800.

Some energy suppliers have created dedicated EV tariffs which allow you to charge your vehicle for a cheaper rate overnight.

If you want to charge your motor when out and about, prices also vary. Some charging stations cost nothing to use but are usually quite slow. Others require you to pay. Rapid charging points often cost more so check before you hook up.

Download a dedicated app like Zap Map to show you where the nearest charging stations are located.

What if my electric car runs out of charge?

If your classic car runs out of charge when you’re away from home, you will need to contact a breakdown service to get it recovered. Check the wording in your specific policy regarding breakdowns to see what’s offered.

When you take out an electric car insurance policy with Lancaster Insurance Services, ask if breakdown cover is included. If not, you may wish to add it to your plan to avoid running into any issues.

Lancaster is the insurance broker of choice for classic car owners providing cover for over 88,000 classic cars (as of May 2019).

We arrange classic car insurance for over 40% of all MG Bs on the road and over 30% of all Land Rover 88s and MG Midgets – proving that classic car owners place their trust in us.

At Lancaster Classic Car Insurance, we aim to find the best price for your individual cover needs. We appreciate the importance of recognising the true value of your classic car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.

We will offer you a tailored policy, bespoke to your requirements – this can include cover for:

Lancaster Insurance is committed to supporting the classic car clubs.

Owners club members may enjoy discounts of up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).

Some of the classic car clubswe currently partner with include MG Owners ClubMX5 Owners ClubVW Golf MK1 Owners Club, VW T25 Club and many more.

If your club isn’t on our Classic Car Club page or wish to partner with Lancaster Insurance please call 01480 220065 or visit our Classic Car Club page for more details.

At Lancaster we understand that not every situation is the same, especially when it comes to Classic Cars.

That is why in addition to our Lancaster Classic Car insurance, we also can arrange the below:

  • Modified Classic Car Insurance
  • Multi-vehicle Insurance
  • Wedding Car Insurance
  • Limited Mileage Insurance
  • Laid Up Cover
  • Two Year Agreed Valuation

If you would like to know more details regarding the above offers, please call us on please call us on 01480 484826 or click here and we’ll call you back at a time that’s best for you.

Are you passionate about Classic Cars?

Here at Lancaster, we not only provide Classic Car Insurance but we’re constantly looking for ways to support the Classic Car community at events, sponsorship's, giveaways and sharing care tips for classic vehicles.

We’ve partnered with the team at Meguiar’s to showcase one of their awesome products each month.

This time we’re featuring the Meguiar’s Ultimate Snow Foam contains a specialized Xtreme Cling foaming action that delivers an intense foam that sticks and clings to painted surfaces gently loosening road grime, dirt and contaminants.

Fine-tuned to carefully and thoroughly clean coated, waxed or sealed finishes while preserving protection and leaving a brilliant, swirl-free shine.

We will listen to your requirements for cover, and discuss the best options with our panel of expert underwriters, to see if we can cover your cherished vehicle.

Call our specialist team on 01480 484826 or we’ll call you back at a time that’s best for you and let Lancaster Insurance help you.

In May 2018 the Department for Transport announced that cars that were built more than 40 years ago exempt from MOT testing, with the option for owners to voluntarily have their car tested if they feel it needs checking.

Can I put additional drivers on my electric car insurance policy?

You can add additional drivers to your policy at any time, who are known as named drivers. Check with the Lancaster Insurance Services team if this will affect the price of your premium.

Just make sure that the person who will drive the car the most is named as the ‘main’ driver. If not, you could be committing a type of insurance fraud called Fronting.

How to get insurance for electric classic cars

It’s easy to get an insurance quote through Lancaster Insurance Services. Simply fill out your details online, call 01480 484826, or request a call back when it’s most convenient.

Make sure you have the following information to hand before getting in touch:

  • Personal details (full name, address, date of birth, a phone number, and an email address)
  • Employment status
  • Driving licence number
  • Driving history (whether you have a no claims discount or convictions and claims you’ve made)
  • Vehicle details (registration plate and mileage)

Once we have all the information necessary, we’ll be able to put together a personalised quote to fit your individual circumstances and classic car.

Why choose Lancaster Insurance Services for electric car insurance?

The team at Lancaster Insurance Services is more than an insurance provider – we’re vintage vehicle fanatics and understand the time and effort you put into making your classic car the motor of your dreams.

Such a special investment deserves to be protected, which is why we tailor each policy to fit the specific vehicle and can cover it against accidental damage, fire, and theft.

Whether you’ve gone green with your Mini Cooper or gave your high-spec Porsche an electric facelift, we can give you a competitive quote for your classic motor.

Our expert valuation team will agree the car’s worth, which we then guarantee you get back if you make a total loss claim.

See what other customers have said about our specialist classic car insurance plans by reading our 5-star reviews on Trustpilot.

At-a-glance benefits include:

  • Static Show Cover
  • Historic Rally Cover
  • Choice of repairer
  • Salvage Retention
  • Free EU cover up to 90 days
  • Two Year Agreed Valuation
  • Laid Up Cover Available*
  • 24 Hour Claims Helpline
  • UK Based Call Centre
  • Limit Mileage Discounts

*(available for £18)

Got another vintage car you need to insure? We can offer a range of policies including:

  • Kit car insurance
  • Quad bike coverage
  • Wedding car cover
  • Limited mileage policies
  • 4x4 insurance plans
  • Campervan and motorhome protection
  • Modified car insurance
  • Military vehicle cover
  • Multi car insurance plans
  • Laid-up car cover

When you choose to insure through us, you can get up to 90 days free cover across the EU and can call our 24-hour claims helpline  in an emergency.

Electric classic car insurance - discounts for club members

As vintage vehicle enthusiasts ourselves, we are committed to supporting classic car clubs across the UK, which means we also offer discounts to members on their insurance cover.

If you’re a club member and looking to insure your vintage electric model with us, speak to our friendly team about reduced rates.

How do I make a claim on my electric car insurance?

Making a claim is easy with Lancaster Insurance Services. Simply call our 24-hour claims hotline on 01480 484802, and we’ll tell you what information and documents you need to file your case. Our helpful team will be there to help you through the whole process.

If you’re claiming because your vehicle was stolen, you need to contact the police as soon as possible. They will give you a crime reference number, which you’ll need to make a note of for your claim.

In the event of damage, whether due to a fire or something else, a surveyor will come to assess the damage and its cause to see whether you’re eligible to make a claim or not.

Get electric car insurance for your classic car today

As classic car lovers, we want to protect all vintage vehicles for the future - no matter how they’re powered!

With decades of experience, we’re the specialists when it comes to finding the right cover at the right price for you.

To insure your classic car, contact the Lancaster Insurance Services team today. Get a quick quote by filling out the online form or speaking to one of our insurance specialists.