Best Insurance Deals for EV Owners in the UAE

But while EV ownership is increasing, insurance understanding hasn’t caught up. High-value batteries, specialised repair, and charging-related risks mean EV car insurance in UAE works differently. Choosing the right electric car insurance plays a direct role in how smooth, affordable, and stress-free your EV ownership experience turns out to be.

Why is EV Car Insurance Different in the UAE?

At first glance, insuring an electric car may seem similar to a petrol or diesel vehicle. In practice, however, electric vehicles involve a different cost structure. This is why insurers in the UAE assess and price them differently. The biggest difference is the battery. In most electric vehicles, the battery alone can account for 30–40% of the car’s total value. Repairs or replacements are expensive, highly specialised, and limited to approved garages. Add to that advanced electronics, sensors, and software-driven systems, and EV repairs become far more technical than traditional cars.

There’s also the charging factor. Running out of charge isn’t treated the same way as running out of fuel, which makes EV-specific roadside assistance important. This is why standard motor insurance policies often fall short for electric vehicles.

In short, EV car insurance in UAE needs coverage that understands how EVs actually operate, not just how they look on paper.

Quick Insight Box Thinking of Insuring an EV? Before choosing a policy, always check whether the battery, electric motor, and EV roadside support are clearly covered. Many basic plans quietly skip these essentials.

EV Car Insurance Premiums in the UAE

Based on current market pricing, the table below highlights electric car insurance premium ranges in the UAE for popular EV brands.

Car Model/Brand	Segment	Sedan EV Car Insurance Price (AED)*	SUV EV Car Insurance Price (AED)*
Tesla	Premium EV	3,250	3,300
BYD	Mid–Premium EV	3,250	3,250
MG	Budget EV	1,440	1,890
Geely	Mid-Range EV	1,995	1,995
Jetour	Mid–Premium EV	3,250	1,890
JAC	Budget EV	1,700	1,700
Changan	Mid-Range EV	1,900	1,800
Haval	Budget EV	—	1,600
GAC	Mid-Range EV	1,900	1,600
Chery	Budget EV	1,700	1,700
Great Wall	Mid-Range EV	—	2,100
BAIC	Budget EV	—	1,800
Hongqi	Luxury EV	1,900	2,000

*Prices indicate minimum annual insurance premiums and may vary. Prices are subject to change and do not represent a binding quote. For accurate and personalised pricing, EV owners should compare live quotes before purchasing a policy.

Based on current market data, EV car insurance in UAE usually starts from around AED 1,440 per year for entry-level electric sedans. The prices can go up to AED 3,300 or more for premium electric SUVs. Budget-focused EV brands usually fall in the AED 1,600–2,000 range, while premium EVs with advanced batteries and electronics attract higher premiums.

What Should EV Owners Look for in Insurance Coverage?

Not all comprehensive policies are truly EV-ready. Many look good on paper but miss the components that matter most for electric vehicles. Before locking in a policy, EV owners in the UAE should pay attention to what’s actually covered, not just the premium.

• Battery protection: This is the most expensive component of an EV. Coverage should include damage due to accidents, fire, flooding, and electrical faults.
• Electric motor & power electronics: EV motors, inverters, and control units are costly and require specialised repairs.
• EV-compatible garage access: Not all garages in the UAE are equipped to handle EV repairs. Your insurer should offer approved EV-ready workshops.
• Roadside assistance for EVs: Running out of charge is not the same as running out of fuel. EV-specific roadside support is essential.
• Fire and water damage cover: Given the UAE’s climate and occasional flooding in recent years, this becomes especially important for battery-powered vehicles.

Key Factors That Affect EV Insurance Premiums in the UAE

If you’ve noticed that EV insurance quotes vary widely, you’re not imagining it. Two electric cars with similar prices can indeed attract very different premiums! That’s because insurers look beyond the badge and focus on risk, repair complexity, and replacement cost.

• Vehicle make and model: Premium EVs like Tesla often cost more to insure. This is due to higher repair and parts costs. Newer mass-market EVs, meanwhile, may fall in a lower bracket.
• Battery value and specifications: Larger batteries mean higher replacement costs, which directly impacts premiums.
• Availability of EV repair networks: Cars supported by authorised EV garages in the UAE are generally easier — and cheaper — to insure.
• Driver profile and claims history: Just like any other car, age, driving record, and previous claims play a major role.
• Emirate of registration: Vehicles registered in Dubai or Abu Dhabi may see pricing differences due to traffic density and repair access.

How Does Policybazaar.ae Make EV Insurance Smarter?

When it comes to EVs, insurance isn’t just about buying a policy — it’s about owning the car without daily friction. This is where Policybazaar.ae stands out for electric vehicle owners in the UAE.

Beyond helping users compare and buy EV car insurance in UAE, Policybazaar.ae offers a dedicated value layer called PB Advantage. Instead of limiting benefits to claim-time only, PB Advantage focuses on real-life EV ownership needs — charging, emergencies, and ongoing support.

For EV owners, this means benefits that actually align with how electric cars are used, not generic add-ons designed for petrol vehicles. It’s a practical extension of electric car insurance in UAE, built for everyday convenience.

PB Advantage: Exclusive Benefits for EV Owners

Policybazaar.ae’s PB Advantage includes EV-specific benefits that go beyond traditional insurance coverage. These are designed specifically for electric vehicles and are available to eligible car insurance customers.

PB Advantage Benefits for EVs

• 15% off EV charger installation - This is available for residential, commercial, and office parking setups. Charger installation starts from AED 2,000 (commercial and residential).
• 30% discount on portable charging pods - Mobile charging support (up to 80% charge) is delivered anywhere in Dubai — no grid connection required.
• AED 30 off emergency roadside EV boost (Dubai) - It gives you quick assistance to help you reach the nearest charging station within approximately 60 minutes.

Related Pages
Top 10 Electric Cars in UAE	Electric Vehicles - Advantages, Challenges, and Comparisons
Electric Cars Costs in UAE

FAQ's About EV Car Insurance in the UAE