Our Comprehensive Car Insurance covers batteries, charging cables and wall chargers.1
Electric Vehicle Hub
Info, resources, and insurance to get started on your EV journey
Why choose Allianz Car Insurance for your EV?
Your EV is covered
Thermal runaway cover
We also cover fires, including fires caused by battery thermal runaway.
Choice of EV certified repairer
Access one of our EV certified repairers or choose your own at no extra cost.2
Our Comprehensive Car Insurance customers rated their claim experience 4.4 out of 5 over the last year. See more about what our customers had to say.
How we’ve got your EV covered
We’re part of the Allianz Group, which has a global presence in over 70 countries. With access to the Group’s automotive research centre in Munich, we can share in the collective knowledge about electric vehicle (EV) research, safety, and repairs from more established markets around the world.
Featured articles
Car insurance for EVs
Our Comprehensive Car Insurance can cover your EV, including accidental damage to charging cables you own and battery fires. We can also cover EV commercial vehicles. Find out how Allianz can cover your EV.
Top tips to maintain your EV
Just got an EV or planning to switch? Learn the key things you need to know about servicing and maintaining your electric vehicle.
Is your home EV ready?
Learn how to set up your home for EV charging, from choosing the best charger spot to having the right power supply.
EV safety: what you need to know
Managing your electric car repair
Roadside Assistance 24/7 Australia wide3
Additional resources
Carloop
Keep up to date with Australian EV data and ownership trends provided by a team of industry experts working to help car owners transition to electric cars.
EV FireSafe
An Australian EV fire research company, which focuses on improving safety for emergency responders at electric car traction battery fires.
Our commitment to sustainability
As one of Australia’s leading insurance companies, we’re committed to shaping the industry in sustainability and addressing environmental issues. We’re also a member of the Australian Electric Vehicle Association (AEVA).
Green Specs
We partnered with the Green Building Council of Australia to launch Green Specs, an online tool that allows you to learn more about the sustainable improvements you could make, room by room. Improve energy efficiency, or reduce emissions or the risk of extreme weather impacts on your home.
Tackling climate change
Moving toward net zero emissions and addressing climate change is important to us. We’re committed to taking proactive steps to help secure a healthy planet. We’ve set targets to reduce our environmental footprint. Learn about our journey so far, and our local and global collaborations.
Frequently asked questions
Each insurance company calculates the cost of car insurance differently.
The cost of your car insurance is determined by a range of factors.
When calculating your car insurance premium, we consider factors such as:
- the age, driving experience and claims history of the person who drives the car most
- the year, make and model of your car
- the location your car is parked.
To find out how much you would pay for our Comprehensive Car Insurance, get your quote.
Not all car insurance providers offer the same coverage. Car insurance may cover your electric car for loss or damage including fire, but you’ll need to check your policy details to confirm whether your EV battery is specifically covered.
Allianz Comprehensive Car Insurance provides cover for thermal runaway in your EV, as well as your battery, charging cables and wall chargers in your home.
Yes, Allianz Comprehensive Car Insurance covers the sunroof of EVs if they’re made of glass, for example, the Heavy Duty Laminated glass that Tesla uses. If you choose optional windscreen cover, you won’t pay an excess on any windscreen or window glass claim, including the sunroof, for one replacement and/or two repairs per policy period. This excess waiver doesn’t apply if the support structure of the vehicle’s frame or any electrics parts are also damaged.
You can top up your vehicle’s energy supply at home. Charging your EV at home can be the cheapest and most convenient way to power your vehicle, providing you have off-street parking.
You can even charge your EV overnight while you sleep, by drawing power from your home and using a cable to supply it to your vehicle.
Find out more about how to adapt your home for EV charging, including tips for installing an EV charger, average costs, and safety considerations. Allianz Comprehensive Car Insurance provides cover for your EV, including your battery, charging cables and wall chargers in your home.
This depends on how much you use your electric car. Many EV manufacturers guarantee their EV batteries for eight years or 160,000 km. However, some EV batteries can last up to between 15 to 20 years within the car. As technology continues to evolve, the lifespan of EV batteries may also extend past this.
This will depend on the electricity rates, the battery size of your electric car and the charging speed.
DC fast charging provides the quickest charging times for EVs, and costs approximately $0.40 to $0.80 per kWh, according to Energy NSW.
In Australia, charging an EV at your home typically costs less, offering a cheaper alternative to the running costs for traditional petrol-powered vehicles. If you have solar panels, this can reduce the cost of EV charging even more.
It’s less likely for an EV to catch fire when compared to fires related to petrol or diesel cars. International research conducted in Sweden reported that EVs are twenty times less likely to catch fire than a petrol or diesel car.
Batteries in an EV can become unstable when the battery cells have sustained damage, for example when the EV is involved in a traffic collision.
Thermal runaway in a damaged battery can cause it to catch fire when accompanied by the release of flammable gas. Read more about thermal runaway in EV batteries.
Allianz Comprehensive Car Insurance provides cover for your EV, including your charging cables and wall chargers if they’re damaged in an insured event.
This depends on the type of charger used, the size of your EV’s battery, and the maximum charge rate that the vehicle can accept. A standard electric car with a 70kWh battery would, on average, need around 10 hours to become fully charged from empty using a 7kWh charging point.
For more information about charging your EV, read our guide to charging your electric vehicle.
Some of the most popular EVs in 2025 are:
- Tesla Model 3 - $54,900 starting price
- BYD Seal - $46,990 starting price
- BYD Atto 3 - $39,990 starting price
- MG MG4 - $39,990 starting price
EV starting prices are accurate at the time of publication and are subject to change.
Sources:
Allianz Comprehensive Car Insurance is designed with EV owners top of mind
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*Conditions apply
- EV charging accessories, including charging cables, wall chargers, and mounts, must be owned by the insured.
- If you choose your own repairer, we may need a second quote from another repairer chosen by us just to make sure the quote you've received is reasonable. We may then authorise repairs, pay you reasonable repair costs or the car’s agreed value or replace your new car where policy conditions are met.
- Service area limits, entitlement limits, exclusions and terms and conditions apply. For full details, read the terms and conditions.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.