Electric car insurance
Our motor vehicle insurance meets the needs of electric car drivers better than ever.
Why our customers choose us
Why insure your electric car with If?
Modern motor vehicle insurance for electric car drivers
When you buy an electric car insurance, you get If's normal car insurance, which we have developed to better meet the wishes of all-electric car owners.
When you choose If's car insurance, you can be confident that it takes into account the needs of electric car drivers down to the details of the insurance terms and conditions. We are thoroughly familiar with the risks of electric cars, and we carefully select repair partners who understand the latest technology.
Our competitive pricing is based on in-depth analysis of the risks. Therefore, the price of insurance for an electric car depends on factors such as your age, place of residence, the car’s properties and the mileage you estimate on an annual basis.
We reward you with bonuses for your motor third party liability insurance that quickly accrue for years without accidents. Just five years without claims gives you a full 80% bonus and bonus cover. In addition, you will receive a full 80% bonus for the collision cover included in Casco insurance right from the start.
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What is included in electric car insurance?
Electric car insurance needs to be tailored to your specific needs. Motor third party liability insurance is mandatory for all vehicles used in traffic, while casco insurance is a voluntary insurance that supplements the mandatory third party liability insurance. Casco insurance consists of different types of cover, from which you can choose the coverage you want.
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All If vehicle insurance policies include the mandatory motor liability insurance. It covers:
To cover damage to your own vehicle, you need a Casco insurance. |
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If offers you anytime access to phone advice and support, if your car breaks down, if you are involved in an accident or you have any other concerns related to your car. If can be contacted quickly online or by phone: 010 19 18 40. The call cost is charged at your phones standard call rate, and you'll be notified within 15 minutes of how we're going to resolve the situation. At the same time we will check your insurance and tell what expenses it covers. |
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Our 24/7 towing and road service makes sure you can move on, if your trip is interrupted by an accident or a technical fault. Our professional towing partners will take your car to reliable first-rate repair shop or they solve your problem on the spot. When you order towing via If, we take care of towing bill and file claim on your behalf, and your deductible is 0 euros. Otherwise deductible for towing is 50 euros. We also cover extra expenses incurred by the interruption of your trip up to 500 euros. Travel expenses and hotel charges are examples of such costs. |
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We will cover your vehicle, if it gets stolen. You will also receive compensation if the paint of on your car gets scratched or for other malicious damage. We also cover fire damage caused by a fire or by thunder. Your deductible is 200 euros. |
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Legal protection covers trial costs relating to the use of your car. The upper limit of the coverage is 10 000 euros, and your deductible is 20% of the cost, at least 200 euros. We will also cover damage occurring outside the EU and EEA, such as in Green Card agreement countries, for which the driver of your vehicle is personally liable to third parties. The maximum amount of compensation for both personal and property damage is 250 000 euros, and your deductible is 500 euros. |
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Personal cover is a significant extension of the coverage provided by the mandatory motor liability insurance. All persons in the insured vehicle at any time are covered. If a traffic accident leads to bodily injury or death, compensation for non-permanent damage will be paid up to 21 000 euros, depending on the seriousness of the injury. Death cover relating to a traffic accident is 25 000 euros, payable to the deceased person’s estate. There is no deductible, and the compensation does not decrease the bonus. |
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Pet coverage includes injuries to a dog or cat when they are a passengers in the vehicle. The cover compensates treatment expenses up to 3 000 euro, if the pet has received an injury requiring medical treatment in a traffic accident. The compensation for the death of a pet is up to 1 200 euro. |
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If you run into an elk, a deer, or any other animal with your vehicle, we cover the damage to your vehicle without any decrease of your bonus. You just pay a 200 euros deductible. |
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We compensate for damage to your car caused by a collision of by you driving off the road. The collision cover also compensates for collisions in case the liability cannot be reliably established. The collision cover also covers a wide variety of damage situations, such as a tree, a branch or snow falling on and damaging your vehicle. Your preselected deductable reduces the compensation amount paid accordingly. A larger deductible reduces the cost of the Casco policy. Claiming collision coverage will reduce the bonus level of the Casco insurance. Acts of are an exception; they do not reduce the bonus. |
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We cover dents caused your parked car by an unknown motor vehicle without any bonus reduction. You just pay a 200 euros deductible. If you damage your car yourself when parking, your damage will be covered by the collision cover. |
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The windscreen cover will compensate a broken windscreen without any bonus reduction. A repair does not affect the bonus, the deductible for a replacement is 200 euros. You might want to consider the windscreen cover, damage to a window is the type of damage compensated most frequently at If. Repairing the windscreen costs 70 euros on average, replacing the windscreen 750 euros on average. Replacing a windscreen equipped with heating or rain sensors may cost more than 1 000 euros. |
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Redemption coverage guarantees proper compensation if your car is beyond repair. You'll get a better lump sum for the car, even if its value has already decreased. You will receive compensation equal to the cash selling price of a new similar car when the following conditions are met:
Otherwise, your compensation will be the cash selling price raised by 30%, when the repair cost estimate is more than 60% of the current price. Compensation for a second-hand vehicle shall not exceed the selling price at the time of its purchase. |
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Regardless of the damage, you always get a replacement car for the duration of the repair. If you need a car daily, the replacement car will ensure that you manage. |
In case of a loss
Smooth claims services
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Frequently asked questions
We have already insured over 100,000 electric cars in the Nordic countries over the last 15 years. That’s why we claim to know electric cars and the insurance they need better than many others. See below for answers to frequently asked questions.