Electric car insurance

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, and it is advisable to additionally cover your electric car with a Casco insurance.

If offers 24-hour advice by phone if your electric car breaks down, you are involved in an accident or if you have any other concern relating to your car.

If is available online or by phone at +358 10 19 18 40. The call will cost you just a normal call charge, and you will have our solution to your problem in just fifteen minutes.

At the same time, we will check your insurance coverage and tell you what expenses your insurance covers.

Once we have given you the necessary advice and instructions, we will send you the professional help you need in your situation.

The 24/7 If towing and road service ensures that you can continue your journey if it is interrupted due to an accident or technical failure. The insurance also covers the traction batteries running out of electricity.

Our professional towing partners will deliver your car to the nearest charging point, a reliable and high-quality repair shop, or solve the problem immediately on site.

When you order towing through If, we will pay the towing invoice and file a claim report for you, and your deductible will be EUR 0. Otherwise, the deductible for towing is EUR 50.

We also cover extra expenses incurred by the interruption of your journey up to EUR 500 with no deductible. Such costs could include travel expenses and hotel charges.

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 euro.

Legal protection covers trial costs relating to the use of your car. The upper limit of the coverage is EUR 10,000, and your deductible is 20% of the cost, at least EUR 200.

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 EUR 250,000, and your deductible is EUR 500.

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 EUR 21,000, depending on the seriousness of the injury.

Death cover relating to a traffic accident is EUR 25,000, payable to the deceased person’s estate.

There is no deductible, and the compensation does not decrease the bonus.

Pet coverage includes injuries to a dog or cat when they are a passengers in the vehicle.

If you run into an elk, deer, or any other animal with your electric car, we will cover the damage to your car without any decrease of your bonus. You just pay a EUR 200 deductible.

We compensate for damage to your electric car if you cause a collision or drive 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 car.

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.

We cover dents caused to your parked electric car by an unknown motor vehicle without any bonus reduction. You just pay a EUR 200 deductible.

If you damage your car yourself when parking, your damage will be covered by the collision cover.

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 EUR 200.

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 EUR 70 on average, replacing the windscreen EUR 750 on average. Replacing a windscreen equipped with heating or rain sensors may cost more than EUR 1,000. 

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.

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.