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    Winner of Canstar's Most Satisfied Customers - Car Insurance Claims Australia 2025
  • Members save 10% per kWh across the RAA Charge network for a limited time* 
  • Easy online claims 24/7
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    Pay monthly at no extra cost

Protect your EV from battery to bumper

We offer car insurance for electric vehicles (EVs). This page gives you a guide to your options. When you're ready, get a quote online or call 8202 4567. With RAA Car Insurance, you can also claim online 24/7.

Why choose RAA?

  • Our public EV charging network

    We've built SA's largest electric vehicle charging network - RAA Charge. Members can save 10% on charging fees across the network for a limited time.*
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    Multi-policy discount

    We give you a discount of up to 10% on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.^
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    Seniors Card holder discount

    Seniors Card holders can get a discount of up to 10% on their car insurance policy.^
  • Hand collecting coins

    Loyalty discount

    The more products you have with RAA and the longer you’ve been with us, the more you could save.^
  • Shopping bag

    Shopping and entertainment discounts

    You'll get access to RAA Rewards, so you can enjoy discounts on fuel, dining, shopping, cinema, entertainment and more from our network of partners across South Australia.
  • Membership card

    RAA membership included

    When you take out an insurance policy, you and any other policy holders automatically become members and get access to great benefits.

Choose from four levels of cover

Premium Comprehensive

Standard Comprehensive

Third Party, Fire & Theft

Third Party

Premium Comprehensive

Standard Comprehensive

Third Party, Fire & Theft

Third Party

  • Accident: Your car

    We'll repair or replace your car if it's in an insured incident in Australia, including car crash.

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  • $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
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  • New vehicle replacement

    If your brand new car is written off within 5 or 2 years of registration, we'll replace it with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.

    Included - 5 years
    Included - 2 years
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  • $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents.

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  • Hire car benefit

    Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days. Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.

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  • Hail, storm and flood

    We'll cover your car if it's damaged by hail, storm or flood.

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  • Fire

    We'll cover your car if it's damaged by fire, including bushfire.

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  • Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.

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  • Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.

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  • Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.

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  • Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.

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  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.

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  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.

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  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident.

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  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.

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  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.

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  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven.

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  • Malicious damage (like vandalism)

    We'll cover any malicious damage that happens to your car, like vandalism.

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  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.

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  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.

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  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.

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  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.

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  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident.

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Choose from four levels of cover

Use the drop-down menus to compare options

Comparing 2 of 4

To compare prices, you'll need to get a quote.

Premium Comprehensive
Standard Comprehensive
Third Party, Fire & Theft
Third Party
  • Accident: Your car

    We'll repair or replace your car if it's in an insured incident in Australia, including car crash.

    fa-check
    fa-check
    fa-times
    fa-times
  • $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
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  • New vehicle replacement

    If your brand new car is written off within 5 or 2 years of registration, we'll replace it with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.

    Included - 5 years
    Included - 2 years
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  • $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents.

    fa-check
    fa-times
    fa-times
    fa-times
  • Hire car benefit

    Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days. Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.

    Optional
    Optional
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  • Hail, storm and flood

    We'll cover your car if it's damaged by hail, storm or flood.

    fa-check
    fa-check
    fa-times
    fa-times
  • Fire

    We'll cover your car if it's damaged by fire, including bushfire.

    fa-check
    fa-check
    fa-check
    fa-times
  • Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.

    fa-check
    fa-check
    fa-check
    fa-times
  • Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.

    fa-check
    fa-check
    fa-check
    fa-times
  • Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.

    fa-check
    fa-check
    fa-check
    fa-check
  • Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.

    fa-check
    fa-check
    fa-check
    fa-check
  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.

    fa-check
    fa-check
    fa-check
    fa-check
  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.

    fa-check
    fa-times
    fa-times
    fa-times
  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident.

    fa-check
    fa-check
    fa-times
    fa-times
  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.

    fa-check
    fa-check
    fa-times
    fa-times
  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.

    fa-check
    fa-check
    fa-times
    fa-times
  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven.

    fa-check
    fa-check
    fa-times
    fa-times
  • Malicious damage (like vandalism)

    We'll cover any malicious damage that happens to your car, like vandalism.

    fa-check
    fa-check
    fa-times
    fa-times
  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.

    fa-check
    fa-check
    fa-check
    fa-times
  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.

    fa-check
    fa-check
    fa-check
    fa-times
  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.

    fa-check
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    fa-check
    fa-check
  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.

    fa-check
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    fa-check
    fa-times
  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident.

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^Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.

Factors that may affect the cost of your EV insurance


These are a few of the things that may impact the price of your EV car insurance quote.

  • Person with tie

    Age and driving history

    We consider your age and driving history when calculating the cost of car insurance.
  • Make and model

    The model of your EV will be needed to calculate the cost of insurance. EVs vary widely in value and the cost of parts. These all factor into the cost of repair or replacement.
  • Distance travelled

    We take your driving habits into account when creating your quote. For drivers of all ages, how far you drive each year can influence the cost of your cover. The distance you travel is important for our risk calculation.


Frequently asked questions

Popular EV car brands


From affordable city cars to spacious family SUVs, Australians are embracing EVs for the daily commute, cross-country road trips and everything in between. Here are some of the most popular EV brands in Australia.

Tesla

Famous for its cutting-edge technology, Tesla is one of Australia's top-selling EV brands, with the mid-size SUV Model Y the most sold model as of early 2026. Tesla drivers can explore a range of EV car insurance options with us.

BYD

BYD, which stands for 'Build Your Dreams', is now the largest EV brand by sales in Australia. BYD are known for their value and diverse range. From the compact Dolphin to the Sealion 7, BYD owners have a range of EV insurance options.

Kia

Kia has established itself as a leading EV choice for Australians. Its practical, well-equipped SUVs lead the way in popularity - the EV5 was among Australia's top-selling EVs in 2025. Kia owners can explore options to insure their EV with us.

Facts about electric vehicles


Explore some recent facts about EVs, their growing popularity on Australian roads, and more.

1 in 4 new cars in Australia now has a plug

Electric vehicles have become mainstream in Australia. As of June 2026, fully electric vehicles hit a record 24% monthly market share. When you add plug-in hybrids to the picture, nearly one in three new cars hitting Australian roads now comes with a plug - a doubling of market share in just one year.

RAA powers 145 EV charging stations in SA

We’ve built SA's first border-to-border EV charging network - spanning 145 locations and more than 550 plugs. Three-quarters of them are in regional SA. It's our mission to help South Australians embrace electric vehicles with confidence. Plus, RAA members save 10% on charging fees.*

110 EV models now available in Australia

Australian EV buyers have never had more choice, from Tesla, to BYD, to Kia. As of May 2026, around 110 different EV models are available in Australia. Whether you need a budget-friendly ride for the commute or a high-performance SUV, it's all available. There are even options for electric utes, such as the Toyota HiLux and the Isuzu D-Max.

*Offer valid for a limited time and subject to change. Conditions apply. Discount available when a valid RAA membership number is added to Chargefox app profile prior to commencement of charging session. Read full terms and conditions.

Add optional cover

Hire Car Cover

Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days.

Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.

$0 excess windscreen repair or replacement

Premium Comprehensive contains unlimited $0 excess windscreen repairs or replacements.

For Standard Comprehensive, you can add cover for one $0 excess repair or replacement per policy term. You may have to pay the basic excess for any more claims.

We're here to help

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    Call us

    Monday to Friday, 8am to 6pm
    Saturday, 9am to 5pm
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    Enquire online

    Send us a message and we'll contact you
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    Find a shop

    Drop in and chat face-to-face
  • Information

    Frequently asked questions

    Visit our Help Centre for answers to FAQs, key documents and more

Things you should know

Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statement (PDS) and Supplementary PDS (if applicable) and the Target Market Determination (TMD).

Read the General Insurance Code of Practice and our complaint policy for further information about your rights.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.

Find out how we support our vulnerable members.