car insurance electric vehicles

Insuring an electric vehicle in Australia isn’t witchcraft, but it does come with a few quirks. Premiums can be a touch higher because repairs need EV-trained workshops and battery bits aren’t exactly in the bargain bin. Look for comprehensive policies that explicitly cover the traction battery, home charger and cables, EV-specific towing (flatbed), and software reprogramming after repairs. Make sure you can choose an EV-accredited repairer, and check excesses for battery, water ingress and storm damage like a hawk scouting for chips. Kilometre-limited or usage-based policies can save coin if you don’t commute far, and safety systems may score discounts. Compare agreed vs market value, and confirm roadside assistance includes high-voltage safety—because no one wants a tow truck learning on the job.