Electric Car Insurance
An electric car is generally insured like any other vehicle: Motor third-party liability insurance is required by law, while partially comprehensive or fully comprehensive cover protects your own vehicle. However, it's the details that matter. Regular car insurance does not automatically cover risks relating to the vehicle's battery, charging station or software. Porsche Insurance caters for the specific needs of your electric vehicle.
What does Porsche Insurance's electric car coverage include?
Battery protection
Coverage for the traction battery – the vehicle's most valuable component.
Your own charging station
Damage to your wallbox is covered up to € 3,000.
E-mobility assistance
Receive a €100 reimbursement twice a year if your vehicle breaks down due to a depleted battery.
COVERAGE OVERVIEW: fullCASCO / fullCASCO PLUS
Important note: The specific inclusions and exclusions (scope of coverage) as well as deductibles set forth in the insurance policy and the corresponding terms and conditions of Porsche Bank and Porsche Insurance apply.
| What is covered? | fullCASCO | fullCASCO PLUS |
|---|---|---|
| 1. Accident | Deductible* | Deductible* |
| 2. Parking damage and vandalism (police report required) | Deductible* | Deductible* |
| 3. Natural forces (hail, storms, floods, …) | Deductible* | Deductible € 700,– * |
| 4. Fire and explosion (police report required) | Deductible* | No Deductible |
| 5. Contact with wild animals (requiring a police report) and pets | Deductible* | No Deductible |
| 6. Damage caused by overheating and short circuits | Deductible* | No Deductible |
| 7. Animal bite (marten damage) | Deductible* | No Deductible |
| 8. Roof avalanche / icicles | Deductible* | No Deductible |
| 9. Burglary (police report required) | Deductible* | No Deductible |
| 10. Glass breakage – all-round glazing (glass replacement) | Deductible* | Deductible € 700,– * |
| 11. Glass breakage – all-round glazing (glass repair) | No Deductible | No Deductible |
| 12. Glass breakage – small glass parts | Deductible* | No Deductible |
| 13. Theft and robbery (police report required) | Deductible* | No Deductible |
| Additional coverage | fullCASCO | fullCASCO PLUS |
|---|---|---|
| a) Compensation for personal belongings in the event of a burglary (excluding electronic devices, cell phones, and other items as specified in the insurance policy) | up to € 1.000,– | up to € 2.000,– |
| b) Rental car costs (in the event of a total loss or theft) | up to € 300,– | up to € 400,– |
| c) Accessories not subject to premiums (details as stated in the application; proof of purchase required) | up to € 2.000,– | up to € 4.000,– |
| d) Lock replacement in case of a lost car key | up to € 500,– | up to € 500,– |
| e) Blue light tax (“Blaulichtsteuer”) | up to € 40,– | up to € 40,– |
| Additional coverage for electric and hybrid vehicles | fullCASCO | fullCASCO PLUS |
|---|---|---|
| 1. Cyberattacks | No Deductible | No Deductible |
| 2. Indirect lightning strike | No Deductible | No Deductible |
Coverage tables for fullCASCO and fullCASCO Plus
Online damage reporting
You can report your damage to us at any time online using our damage report form. Simply fill out and send. We make sure to process it as quickly as possible.
Your benefits with Porsche Insurance for electric vehicles
Service network of the Group brands
In the event of a claim, you benefit from the nationwide network of VW, Audi, SEAT, Škoda, CUPRA, Porsche and VW Commercial Vehicles in Austria, with high-voltage expertise for your electric car.
Direct settlement with the service partner
The entire repair cost, including the deductible, is settled directly with the repair shop. You don't have to pay anything upfront.
Fast processing
96% of incoming invoices are paid within 10 days. You can report claims at any time via our online claims form.
Liability, partially or fully comprehensive: What insurance does an electric car need?
Motor third-party liability insurance is mandatory and covers damage you cause to others. For your own electric car, vollKASKO is the recommended choice in most cases: it includes all teilKASKO benefits and also protects you against damage you cause yourself. This is particularly worthwhile for electric cars, as even minor accidents can damage the underbody and with it the battery. If you finance or lease your vehicle through Porsche Bank, you also benefit from comprehensive insurance level 00, regardless of your previous rating.
Engine-related insurance tax: How it applies to electric vehicles
Since 1 April 2025, the engine-based insurance tax (“motorbezogene Versicherungssteuer”) has also applied to electric cars, both to new registrations and to vehicles already registered. This tax is collected alongside the insurance premium. The amount you pay depends on your vehicle's engine output and other data. With our engine tax calculator, you can calculate the tax for your electric car in just a few steps and find the ideal time to register it.
Product information sheet
The product information sheet – UNIQA and the product information sheet – Generali provide advance information on the key points of the insurance contract.
Product information sheet – cash buyers / dealership rates
The product information sheet for cash buyers / dealership rates provides advance information on the key points of the insurance contract.
Frequently asked questions about electric car insurance (FAQ)
Yes. In Porsche Insurance's fullCASCO and fullCASCO PLUS policies, the traction battery is covered by the battery protection feature. This is essential, given that the battery is the most expensive component of an electric car.
Not necessarily. As with any vehicle, the premium depends on factors such as vehicle value, engine output and no-claims bonus category. We will be happy to prepare a personalized quote for your electric car.
Our E-mobility assistance reimburses costs of € 100 twice a year, for example for transport to the nearest charging station.
Yes. Since 1 April 2025, electric cars have also been subject to the tax, regardless of when they were registered. You can calculate the amount using Porsche Bank’s engine tax calculator.
Yes. fullCASCO and fullCASCO PLUS cover damage caused by cyberattacks on electric and hybrid vehicles in full, with no deductible. The same applies to surge damage caused by indirect lightning strikes.
Yes. Damage to your own charging station is covered up to € 3,000, and damage to charging accessories up to € 1,000. Both apply in fullCASCO and fullCASCO PLUS.
