Electric car insurance | We help when electricity runs out

Why our customers choose us

Why insure your electric car with If?

Insurance designed for electric cars

Our insurance covers traction batteries and a glass roof just like any other car parts. Our Casco insurance also covers charging cables. In cases of loss or damage, their damage will be covered by the insurance as usual. Your home charging station is included in our extensive home insurance.
If is at your service even when electricity runs out

You can access our on-call advice 24 hours a day, 365 days a year, both in Finland and abroad. We give advice in cases of loss or damage or if you suspect something is wrong with your electric car. Our Casco insurance also covers towing to the nearest charging point.
Adjust your premium by choosing a suitable deductible for your Full Casco insurance

With If's Full Casco insurance, you can influence your insurance premium by adjusting your deductible. The higher the deductible, the lower the cost of the insurance. We recommend a deductible of 500 euros for If’s Full Casco insurance.

Please note that the deductible you select applies only to collision cover. For other car insurance covers, the deductible is usually only 200 euros. In addition, towing and windscreen repair are possible without a deductible when you use If’s towing and repair service partners.
Separate bonus for Full Casco

When you insure your car with Full Casco in addition to motor third party liability insurance, you receive a separate bonus for your casco insurance. The starting bonus for new Full Casco policies at If is always 80%, even if you have a history of insurance claims in your previous insurance company.

In practice, this means that you get a 80% discount on the most valuable part of Full Casco, the collision cover.

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.

Compare car insurance policies

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.

Full Casco	Semi Casco	Motor liability
Included	Included	Included	All If vehicle insurance policies include the mandatory motor liability insurance. It covers: personal injuries of all persons involved in the accident damage to the other party’s vehicle and other property. To cover damage to your own vehicle, you need a Casco insurance.
Included	Included	Included	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. After providing you with advice and instructions, we then arrange for the professional help needed in your specific situation.
Included	Included	Not included	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.
Included	Included	Not included	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.
Included	Included	Not included	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.
Included	Included	Not included	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.
Included	Included	Not included	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.
Included	Included	Not included	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.
Included	Not included	Not included	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.
Included	Not included	Not included	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.

Full Casco	Semi Casco	Motor liability
Included	Included	Not included	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.
Included	Not included	Not included	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: your car is no more than three years old, and it has been driven a maximum of 60 000 km the estimated cost of repair exceeds 50% of the price of a new car you are the first owner of the vehicle. 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.
Included	Not included	Not included	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.

Terms and conditions and insurance guide

Download insurance terms and conditions and insurance guide as PDF files.

In case of a loss

Smooth claims services

Select what happened

If you had a crash

1

File a claim online

Claim compensation easily and quickly when it suits you.

2

Claims settlement decision

In most cases, you will receive the claim decision in just a few minutes.

3

Repairing the car

Our recommended repair service provider will take care of your car.
Windscreen chip or crack

1

Book an appointment

Or take your car to If’s repair service partner. You do not need to file an insurance claim.

2

Windscreen repair

In most cases, a crack in the windscreen can be repaired and the windscreen does not need to be replaced.

3

We will cover the repair without a deductible.

If the windscreen needs to be replaced, you only pay the deductible.
If your electric car runs out of power during a journey

Casco insurance policies cover the towing of a fully electric passenger car to the nearest charging point in Finland, the other Nordic countries, and in the EU and EEA.

1

Order the towing online

Find your location, and our towing service will call you in a few minutes.

2

A tow truck will be dispatched to your location.

We'll send you a link that lets you track the arrival of your tow truck.

3

Your car will be towed to the nearest charging point

We will pay the towing costs directly to our partner, and you do not need to file a claim.

4

You can continue your journey

No deductible will be charged for using If’s towing service, and your bonus will not be affected.

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.

Are the batteries and charging cable covered?

Traction batteries are covered by If's car insurance just like any other car parts. In the event of collision or other accidents, their damage is covered under the insurance as usual.

At the same time, charging cables are also covered by our Casco insurance policies.

Where and how will any electric car failures be repaired?

As a Nordic insurance company, If has a wealth of experience and researched knowledge on repairing electric car damages.

Repairing an electric car requires above-average expertise, which is why we require our repair partners to comply with the industry’s latest quality and occupational safety standards.

Our repair partners are also committed to the principles of sustainable development.

Can I also insure my charging station?

If you have insured your home with If’s extensive home insurance, the charging station is covered by your insurance policy.

Note that in blocks of flats or terraced houses, charging stations and their insurance are usually the responsibility of the housing company. However, if you have installed a charging station in the garage of a block of flats, for example, at your own cost and in accordance with permits, it is included in your home insurance just like in a detached house.

Another good reason to take out home insurance from If alongside a Casco insurance is that this will give you a 15% discount on all the insurances you centralise with us.

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