Electric vehicle insurance: peculiarities and nuances in 2025

Electric cars, such as the Tesla Model 3 or Evolute i-PRO, are rapidly gaining popularity in Russia, but their insurance has its own peculiarities. In 2025, electric car insurance requires a special approach due to unique technical characteristics and risks. This article, prepared jointly with GetCar.ru, will break down the key aspects of electric car insurance, including MTPL, CASCO and special programmes, to help you make an informed decision.

Why is electric car insurance different?

Electric cars differ from cars with internal combustion engines (ICE) in the high cost of batteries, complex electronics and lower availability of spare parts. For example, replacing a Tesla battery can cost up to 300,000 roubles, which increases the cost of hull insurance. In addition, such risks as short circuit or spontaneous combustion require specific coverage. According to the insurance company Rosgosstrakh, demand for specialised policies for electric cars increased by 20% in 2025 due to the growth in their sales.

MTPL insurance for electric vehicles

MTPL is a compulsory policy for all cars, including electric cars. The cost is calculated based on the power of the electric motor, as for cars with internal combustion engines. For example, for an electric car with a capacity of 150 hp, the tariff will be similar to its petrol counterpart. However, in regions with developed infrastructure, such as Moscow, lowering coefficients are applied, which reduces the price of the policy. MTPL insurance is available online through platforms such as Ingosstrakh, which simplifies the process.

CASCO: protection against specific risks

KASKO for electric cars covers standard risks (road traffic accident, theft, fire), but includes additional options:

• Battery damage: Repairing or replacing a battery is one of the most expensive processes. Policies such as those from Rosgosstrakh cover up to 6.5 million roubles.
• Short circuit and spontaneous combustion: These risks are unique to electric cars because of the high-voltage systems.
• Evacuation to the charging station: Some companies, such as Renaissance Insurance, include delivery of the discharged car to the nearest petrol station.

The cost of hull insurance is higher than for petrol cars due to the high cost of spare parts. For example, insurance for a Zeekr can cost 15-20% more than for a similar class BMW X6.

Regional peculiarities

Region affects the cost of insurance. In Moscow and St. Petersburg, where there are more charging stations, the risks of breakdowns are lower, which lowers the rates. In regions with a harsh climate, such as Siberia, insurance is more expensive due to the risk of battery damage in the cold. For example, fast charging can accelerate battery wear and tear, which is taken into account by insurers.

How do you reduce the cost of insurance?

• Choose reliable models: Locally assembled electric cars like BYD or Evolute have affordable spare parts, lowering the cost of the policy.
• Check the history of the car: Cars often charged at fast EZSs may have a worn-out battery, which increases the tariff.
• Take advantage of the benefits: In Moscow, owners of electric vehicles are exempt from transport tax, which reduces overall costs.
• Compare offers: GetCar.ru platforms will help you choose the best policy from verified insurers.

Conclusion: Protecting your electric car

Insuring electric cars in 2025 requires you to consider their unique features, such as high battery costs and short circuit risks. With the right CMTPL and hull insurance policy, you'll protect your electric car from unexpected costs. GetCar.co.uk can help you find the right car and insurance to keep you driving safely and economically. Take out a policy today and enjoy eco-friendly transport with confidence