EV Insurance Class 1
Best Value 0% Installment
We gather the "Best & Easiest Claim" insurance plans for EVs.
Full coverage for Car, Battery, and Wallbox at an affordable price.
Why buy with PrakanEV
100% Battery Cover
No depreciation deduction
Budget Friendly
Compare 15 companies free
0% 10 Months
Start at 1-2k THB/mo
Top Insurers
Viriyah, Bangkok, Dhipaya
Special Coverage
HV Battery
100% coverage for battery damage from accidents. Replacement without depreciation deduction.
Wallbox Charger
Coverage for home wallbox chargers and emergency charging cables.
Dealer Repair
Guaranteed repairs by certified EV service centers and standard garages.
Comparison: Class 1 vs Class 2+ for EV
| Coverage | Class 1 (Recommended) | Class 2+ |
|---|---|---|
| Collision without party (hit pole/scratch) | Covered | Not Covered |
| Battery Damage (Accident) | Covered สูงสุด 90% | Covered (Partial) |
| Fire / Flood | Covered | Covered |
| Wallbox Damage | Covered | Not Covered |
| Emergency Roadside Assist | Covered | Limited Times |
How much is EV Class 1 Insurance? Is it cheap?
EV insurance premiums in 2025 are stabilizing as parts and garages become more available. On average:
- Sum Insured (Higher value = higher premium)
- Car Brand/Model (Tesla/BYD rates may differ)
- Driver Age and History
- Repair Type (Garage repair is cheaper than Dealer)
Tip: How to get cheaper price?
We recommend choosing a **'Named Driver'** plan or accepting a **'Deductible'** of 3,000-5,000 THB. This can reduce your premium by up to 30%.
Why is EV insurance more expensive than Gas cars?
Many wonder why EV premiums are higher than Eco Cars. The main reasons are:
- Battery Cost: HV Batteries account for 50-70% of the car's value. Damage often requires full replacement.
- Sensors & Tech: EVs have sensors and cameras all around, increasing parts and labor costs.
- Specialized Repair: There are fewer EV-certified garages, forcing most repairs to go to official dealers.
FAQ
Can I pay in installments?▼
Yes! We offer 0% installment plans for up to 10 months via leading credit cards (KBank, SCB, KTC, Krungsri, etc.) with immediate coverage.
Which EV insurance company is best in 2026?▼
We recommend 3 top insurers: 1. Viriyah (Best service, higher price) 2. Tokio Marine (Best Value) 3. Dhipaya (Specialized EV plans). Chat with us to compare quotes.
Is the battery covered? What about degradation?▼
Class 1 EV Special plans cover 100% of battery damage from accidents. However, 'Battery Degradation' from usage is not covered (this is under the car manufacturer's warranty).