EV car insurance is voluntary cover designed for electric vehicles. It protects high-voltage batteries, chargers, and charging cables—some of an EV's most valuable parts.
Find the best EV car insurance in a few clicks—free.
BYD DOLPHIN
Type 1
2,900THB/month
Up to 10 installments
Total Premium 29,000 THB
BYD ATTO 3
Type 1
3,150THB/month
Up to 10 installments
Total Premium 31,500 THB
TESLA MODEL 3
Type 1
5,750THB/month
Up to 10 installments
Total Premium 57,500 THB
ORA GOOD CAT
Type 1
2,550THB/month
Up to 10 installments
Total Premium 25,500 THB
DEEPAL-S07
Type 1
3,555THB/month
Up to 10 installments
Total Premium 35,550 THB
Check
All models
Why Buy EV Car Insurance with Shield?
We give you more than just coverage, we offer "Peace of Mind" from purchase to claim.
0% cash installments for 10 months
Great value premium, easy on the wallet, pay with cash! No credit card needed, no lump sum required!
Expert guidance whenever you need it
With over 5,000 specialists and 1,900 branches nationwide.
Claim while you're still paying
Start your coverage immediately, once you make your first installment.
Compare premiums from
leading insurers in one place.
No more jumping between websites, we gather offers from top insurance companies so you can compare everything easily, right here.
24/7 emergency coordination
Problem arising? Call us 24/7. Remember one number 1501. We coordinate everything for you, never leaving you alone.
Roadside assistance from all partner insurers
Every insurer includes 24/7 roadside support for all types of emergencies.
Trusted repair network
Choose from a wide network of authorized service centers or quality partner garages, all with reliable standards.
Add-on coverage package
Enhance your protection with motor add-ons from any insurer and any coverage level.
Complete coverage for both you and your car
From collisions, theft, fire, and floods to protection for drivers, passengers, and third parties—you’re fully covered for every journey.
EV Car Insurance What Is It?
EV car insurance is voluntary cover designed for electric vehicles. It protects high-voltage batteries, chargers, and charging cables—some of an EV's most valuable parts.
EV Car InsuranceWhat Does It Cover?
EV insurance offers cover similar to regular car insurance, with added protection for EV-specific parts and risks.
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High-Voltage Battery Cover
Covers battery repair or replacement after accidents, fire, or floods, subject to policy terms and battery age.
EV Electrical System Cover
Covers policy-listed damage to the electric motor, inverter, and high-voltage electrical system.
Charger & Cable Cover
Some plans cover wall chargers and charging equipment for accidents, fire, or natural disasters.
EV-Ready Roadside Assistance
Towing to EV repair centres or charging stations, with EV-trained service networks.
Note Cover for batteries, charging equipment, and assistance varies by plan. Check limits and terms before purchase.
EV Car InsuranceHow Do the Classes Differ?
EV insurance offers broad protection for more confident driving.
EV Type 1 Insurance
The most comprehensive EV cover: accidents with or without a third party, theft, fire, flooding, high-voltage batteries, wall chargers, and charging cables—subject to policy terms.
Suitable for
New EVs, financed cars, or drivers who want all-round protection, as EV batteries, parts, and repairs can be expensive.
EV Type 2+ Insurance
Covers EV damage in collisions with identifiable land vehicles, theft, and fire. It generally excludes no-party accidents; battery and charger cover depends on plan.
Suitable for
Drivers seeking lower premiums, familiar routes, and acceptance of no-party accident risk.
EV Type 3 Insurance
Covers third-party injury, death, and property damage when the insured is at fault. It does not cover the insured EV, theft, fire, or no-party accidents, making it the most affordable option.
Suitable for
For older EVs whose value has depreciated, drivers who use their car infrequently, or those seeking affordable premiums with a focus on third-party damage coverage.
How Do EV Car Insurance Classes Compare?
See clearly what each plan covers, so you can choose the one that is right for your car.
Coverage
EV-Specific Coverage
100% Battery Cover
Charger Cover
Collision coverage
Accidents with any object / single-vehicle accidents
Collision with a land vehicle (with an identifiable third party)
People inside the vehicle
Medical expenses, disability, or death
Third-party liability
Liability for bodily injury and property damage
Own Car
Loss due to theft
Fire damage
Flood damage
Natural disasters
Other accidents
e.g. stone chips, vehicle overturning
0% cash installments
Starting price (Baht)
Add-on Insurance
Additional compensation for travel, income, stolen car damage
Best value
*
10 months
19,500 **
6 months
13,000
3 months
1,935
* Only for plans with that specific coverage
** Starting prices shown are plan information as of 18/08/2026 (based on Type 1 dealer repair coverage from Viriyah Insurance for the Wuling Air EV).
EV insurance premiums are higher than petrol cars at the same price point because batteries make up a large share of vehicle value, and specialised parts and repair centres remain limited. Premiums still depend on the make, model, vehicle age, sum insured, and driving history. Shield Insurance Broker offers 0% cash installments for up to 10 months without a credit card.
EVs need policies designed specifically for electric vehicles because they include conditions not found in petrol-car policies: high-voltage battery cover that reflects battery age, charger and charging-cable cover, and different named-driver conditions. Basic cover for third parties and people in the vehicle remains the same.
Yes. Type 1 EV policies cover battery damage from accidents, fire, and flooding. The coverage proportion decreases with battery age as stated in the policy. If the battery is replaced, you can ask the insurer to restore the level of cover. Terms vary by insurer.
Yes. Premiums reflect the battery's large share of vehicle value, limited specialist parts and repair centres, and driving history. To lower the premium, choose a sum insured that matches the car's value, consider Type 2+ or Type 3 garage repairs for older cars, name drivers, choose a policy with a deductible, and maintain a no-claims history.
New or financed EVs should have Type 1 cover because it is the only class covering the battery, charger, and accidents without an identifiable third party. Type 2+ suits drivers who want to manage costs and are confident driving, while Type 3 suits cars with much lower value or infrequent use.
Yes, under Type 1 EV policies that cover wall chargers and charging cables installed at home, including accidents while charging at home or public charging stations. Limits and terms vary by insurer, so check before buying.
Yes, if you have Type 1 cover, which includes damage to the battery and electrical system. If an EV is submerged, do not try to start it or charge it; contact the insurer so it can arrange towing to a service centre immediately.
Yes. Shield Insurance Broker coordinates 24-hour emergency help via 1501, including claim reporting, towing after an accident, and insurer coordination. Help for a flat battery depends on the cover selected.
New EVs and continuously renewed policies usually do not need an inspection. Insurers may request one for used vehicles, policies with a lapse, vehicles changing insurer, or vehicles with existing damage. Photos can now be submitted online.
First check that the plan covers the battery and charger, the highest-value parts. Then choose a sum insured close to the car's actual value, compare premiums from several insurers in one place, consider repair conditions and named-driver discounts, and check whether premiums can be paid in instalments.
The OIC EV policy sets battery cover by battery age, deductible conditions when the driver is not named in the policy, and use of driver risk levels to calculate the following year's premium.
EV policies can name more drivers than regular car policies, which usually allow only two. This lets families sharing a car name everyone who drives it, and named drivers can receive premium discounts based on their age and driving history.
Yes, but the policyholder must pay the deductible stated in the policy. This is separate for damage to their own car and damage to third-party property, and applies only when the unnamed driver is at fault in the accident.
0% installments 10 months, choose from 15 companies
Starting at7,500Baht/year
Terms and Conditions
Terms of Service Agreement
When purchasing car insurance only (cash installments, no credit card required)
Type 1: Eligible for 0% cash installments for up to 10 months
Type 2+, 2, and 3+: Eligible for 0% cash installments for up to 6 months
Type 3: Eligible for 0% cash installments for up to 3 months
When purchasing car insurance together with personal accident insurance from Bangkok Insurance PCL
Type 1: Eligible for 0% cash installments for up to 10 months
Type 2+, 2, and 3+: Eligible for 0% cash installments for up to 8 months
Type 3: Eligible for 0% cash installments for up to 6 months
Credit Card Installment Option
For any insurance product, premiums can be paid via Krungsri credit card with 0% installments for up to 3 months, applicable to policies with a starting premium of 3,000 THB per policy Installment conditions are as specified by the credit card issuer.
Premium rates vary depending on the vehicle's brand, model, age, and sum insured, as determined by each insurer
Type 1 car insurance covers vehicle damage caused by floods and natural disasters, subject to the insurer's terms and conditions
Coverage is subject to each insurer's terms and conditions. Buyers should carefully review the coverage details and policy conditions before making any decision
Check Popular EV Car Insurance!
Find the best EV car insurance in a few clicks—free.
BYD DOLPHIN
Type 1
2,900THB/month
Up to 10 installments
Total Premium 29,000 THB
BYD ATTO 3
Type 1
3,150THB/month
Up to 10 installments
Total Premium 31,500 THB
TESLA MODEL 3
Type 1
5,750THB/month
Up to 10 installments
Total Premium 57,500 THB
ORA GOOD CAT
Type 1
2,550THB/month
Up to 10 installments
Total Premium 25,500 THB
DEEPAL-S07
Type 1
3,555THB/month
Up to 10 installments
Total Premium 35,550 THB
Check
All models
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