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Winner of Canstar's Most Satisfied Customers - Car Insurance Claims Australia 2025
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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?
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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.* -
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.^ -
Seniors Card holder discount
Seniors Card holders can get a discount of up to 10% on their car insurance policy.^
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Loyalty discount
The more products you have with RAA and the longer you’ve been with us, the more you could save.^ -
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. -
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
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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 excessOptional - One $0 excessfa-timesfa-times -
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 yearsIncluded - 2 yearsfa-timesfa-times -
$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.
OptionalOptionalfa-timesfa-times -
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
To compare prices, you'll need to get a quote.
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Accident: Your car
We'll repair or replace your car if it's in an insured incident in Australia, including car crash.
fa-checkfa-checkfa-timesfa-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 excessOptional - One $0 excessfa-timesfa-times -
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 yearsIncluded - 2 yearsfa-timesfa-times -
$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-checkfa-timesfa-timesfa-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.
OptionalOptionalfa-timesfa-times -
Hail, storm and flood
We'll cover your car if it's damaged by hail, storm or flood.
fa-checkfa-checkfa-timesfa-times -
Fire
We'll cover your car if it's damaged by fire, including bushfire.
fa-checkfa-checkfa-checkfa-times -
Theft or attempted theft
We'll cover your car if it's stolen or damaged in a theft or attempted theft.
fa-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-timesfa-timesfa-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-checkfa-checkfa-timesfa-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-checkfa-checkfa-timesfa-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-checkfa-checkfa-timesfa-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-checkfa-checkfa-timesfa-times -
Malicious damage (like vandalism)
We'll cover any malicious damage that happens to your car, like vandalism.
fa-checkfa-checkfa-timesfa-times -
Theft of keys
We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
fa-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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-checkfa-checkfa-checkfa-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.
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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
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Which EV is cheapest to insure?
The cheapest EV to insure depends on multiple factors. Your driving history, annual distance travelled and where you park overnight are just a few factors that will influence the cost of your EV insurance.
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Are EV cars more expensive to insure?
Like any car, specialised parts can be expensive to repair or replace. Your EV insurance cost will be based on the answers to the questions we ask when you get a quote.
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Does car insurance cover EV battery damage or replacement?
Comprehensive car insurance covers EV battery damage caused by an insured incident such as a crash, fire or theft. We won’t cover damage to your battery caused by mechanical breakdown, electrical or electronic failure, or deterioration over time. These situations fall under our general exclusions.
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What excess will I pay on insurance claims for my EV?
You can choose your basic excess for your EV car insurance when you get a quote. Additional excesses may apply. Check the PDS for more details about excesses.
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Can I insure my EV charging equipment at home?
Your at-home EV charger is not covered under your car insurance policy. However, it may be covered under an RAA home insurance policy. If you’re looking to cover your charging equipment, consider our home insurance options.
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

110 EV models now available in Australia
*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 -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
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.







