Electric Vehicle Insurance (Kasko)
Electric vehicles in Türkiye are insured under standard kasko policies, but they carry three risks a petrol car does not: damage to the battery, fire during charging, and a narrower authorised service network. The real difference between policies lies in how battery cover and charging-related fire are treated, not in whether the vehicle can be insured.
Three risks that set EVs apart
- The battery — the single most expensive component; severe damage often decides the fate of the vehicle
- Charging — a fire risk affecting both the car and, if you charge at home, the property
- Service network — fewer authorised workshops and longer parts lead times
What to check before buying
- Is battery cover stated explicitly, and what is the deductible
- Is fire during charging included
- Is there an authorised-service or original-parts requirement
- Does the courtesy car benefit apply, and for how long
- Are the charging unit and cables included
Why premiums run higher
EV premiums are generally higher than for a comparable petrol car. It is not only the purchase price: parts cost more, the service network is narrower, and battery damage often requires replacement rather than repair.
How much higher varies considerably between insurers, because each prices this segment on its own view of the risk. Comparing offers pays off more here than in any other motor segment.
Frequently asked questions
Can an electric car be insured with standard kasko in Türkiye?
Yes. Standard kasko policies cover electric vehicles. The differences appear in the detail — particularly the scope of battery cover and how charging-related fire is treated.
Is the battery covered?
Damage from an accident, impact or fire is generally covered. Gradual capacity loss is not a kasko matter — that falls under the manufacturer's warranty.
My car caught fire while charging at home — which policy applies?
Damage to the car falls under kasko. Damage to the property or garage falls under home insurance. A single incident can involve both policies, which is why EV owners should review their home cover too.
Why is EV insurance more expensive?
Higher vehicle values, expensive components, a narrower service network and the possibility that battery damage requires replacement all push premiums up. The gap between insurers is wide, so comparison matters.
Electric Vehicle Insurance (Kasko)
Kasko cover for electric vehicles in Türkiye: battery cover, charging fires, why premiums run higher and what to check before you buy.