Electric Vehicle (EV) Insurance
Specialised cover for electric cars and 2-wheelers — including battery, charger and wall-box.
Understanding Electric Vehicle (EV) Insurance.
EV insurance extends a standard motor policy with EV-specific add-ons: battery protection, charging-equipment cover, wall-box and a dedicated EV roadside assistance network.
The battery is 30–50% of an EV's cost — and standard motor policies historically depreciated it like any component. EV add-ons fix this.
What's actually inside this cover.
- Battery protection add-on
- Charger & wall-box cover
- Zero-dep on EV components
- EV-specific roadside assistance
- Own damage including battery & charger
- Third-party liability
- Owner-driver PA
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Battery damage from water ingress; battery add-on responds without depreciation.
Home charger short-circuit; replacement under wall-box cover.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
A short list either way. For a renewal, the claim confirmation matters — it decides whether your no-claim bonus carries over.
- Proforma invoice
- RTO office
- Existing policy
- RC copy
- Confirmation about any existing claim
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Electric Vehicle (EV) Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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