Electric Vehicle (EV) Insurance.

Our electric vehicle (EV)  policy covers:

• battery electric vehicles (BEVs)
  • BEVs use all electric batteries that do not depend on regular fuel
• plug-in hybrid electric vehicles (PHEVs)
  • PHEVs use both an electric battery and a fuel-powered battery. The vehicle’s primary source of power is the electric battery. The fuel-powered battery will only come into play when the electric battery’s life is used up

We insure hybrid electric vehicles (HEVs) under our regular private motor policy.

• HEVs use fuel-powered engines with electric power to save on fuel consumption. The electric battery is charged through regenerative braking and only provides enough power for driving at lower speeds

Our Electric Vehicle Insurance Policy helps to protect your electric vehicle against loss or damage. It also protects you from liability for accidents involving that vehicle. 

We offer a wide range of benefits, including:

• cover for damaged batteries
• replacement for lost key fobs
• emergency roadside and accident services
• free loaner car while while your EV is being repaired
• replacement of charging equipment.

We’ll pay the cost to repair or replace the EV’s battery. The damage must be caused by an event we cover under our EV policy. We’ll pay up to the amount listed in your schedule and we’ll pay one claim per policy period. If you make a claim for damged battery, it will not affect your No Fault Discount.

We’ll contribute to replace your key fob if it is lost or stolen. The most we’ll pay is the amount listed in your schedule.

We will replace the vehicle’s charging equipment if damaged while inside or on your vehicle or home. We’ll pay up to the amount in your Schedule.

If you have an accident, we’ll give you a replacement vehicle for up to 2 weeks while your electric vehicle is being repaired. This vehicle is FREE for you courtesy of your Electric Vehicle policy. The damage to your vehicle  must be covered by the EV policy. We’ll only give this benefit if one of the following applies: 

• you have reported a claim to us
• the cost of repairs is greater than your policy excess 
• your vehicle is not driveable.

Our emergency roadside and accident services (BCIC ASSIST) provides help in case of

emergencies, accidents, breakdowns, and other roadside situations. BCIC ASSIST is available 24 hours a day, 7 days a week (including public holidays). It is available islandwide, even if the

vehicle breaks down at home. To receive assistance call 1-888-227-4778. It includes services

such as:

• getting a wrecker to carry your vehicle to the nearest repair facility
• tyre change
• getting a spare key or have a locksmith unlock the vehicle 
• and more

If your electric vehicle needs towing, you must get a flatbed towing truck (wrecker), to transport your vehicle on its flatbed. We will not cover loss or damage arising from towing by any other means.