Tesla Car Insurance
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Click through on the ‘Get a Quote’ button above to compare Tesla car insurance quotes from leading UK motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Top 5 Tesla car insurance FAQs
1. How much does it cost to insure a Tesla in the UK?
Insurance premiums for Teslas tend to be higher than average due to their high repair costs, advanced technology, and powerful acceleration. Factors like model (Model 3, Model Y, Model S, Model X), battery size, and safety features all influence the price.
2. Are Teslas more expensive to repair after an accident?
Yes, Teslas use specialised parts and technology (like Autopilot sensors), so repair costs are generally higher. Comprehensive policies typically cover these, but premiums may reflect these repair risks.
3. Can I get insurance that covers Autopilot and driver-assistance features?
Many insurers now offer policies that recognise Tesla’s Autopilot, Full Self-Driving (FSD), and safety systems. Some may offer discounts if you rely on these features, but coverage for misuse or software-related incidents may have limits.
4. Are there specific EV insurance policies for Teslas?
Yes. Some UK insurers offer electric vehicle (EV) policies tailored to Teslas, which can include benefits like roadside recovery for EVs, battery coverage, and access to charging network assistance.
5. Does installing home charging equipment affect my insurance?
Installing a home charger is usually seen positively by insurers, as it reduces charging risks and fire hazards. You should notify your insurer, as some policies may provide added protection for the charger and wiring.
Owning a Tesla in the UK comes with unique insurance considerations compared with conventional petrol or diesel vehicles. Insurers typically look at factors such as the vehicle’s purchase price, repair costs, battery technology, advanced driver‑assist systems (like Autopilot), and theft/accident risk when pricing premiums. Tesla vehicles are often placed in higher insurance groups due to their higher values and bespoke parts — though strong safety records and EV‑focused policies can help keep premiums competitive.
One important thing to know is that not all historic Tesla models are currently sold new in the UK market. Two of Tesla’s more premium models — the Model S saloon and the Model X SUV — are not officially available to order in right‑hand‑drive form for the foreseeable future. Tesla has confirmed that neither will return to right‑hand‑drive sales in the UK or Ireland, meaning new buyers typically cannot order these variants.
Tesla models currently available in the UK
The main Tesla models you can order new in the UK today are:
Tesla Model 3 – This is Tesla’s compact electric saloon and one of the brand’s most popular cars globally, offering strong range, brisk performance, and cutting‑edge tech. It generally attracts high but competitive insurance costs relative to performance because it balances value with sophisticated electric powertrain components.
Tesla Model Y – Tesla’s compact SUV (or “crossover”) that builds on the Model 3 platform but with more interior space and practical SUV utility. In the UK, there are variants including:
Model Y Standard – A more affordable version aimed at wider appeal with around ~314 miles range and slightly simplified features.
Model Y Long Range / Premium variants – Offer greater battery range or all‑wheel‑drive versions.
Model Y Performance – Sportier, higher‑power trim with faster acceleration and premium handling features — which can affect insurance due to higher performance claims.
These two models form the core of Tesla’s UK new‑car lineup because, as noted, Teslas like the Model S and Model X are effectively unavailable new in right‑hand‑drive UK showrooms.
Insurance considerations for Tesla owners
High repair cost and parts availability: EVs and especially Teslas often involve specialised parts and battery repairs, which can raise insurance valuations.
Advanced technology: Features like Autopilot or Full Self‑Driving packages may influence how insurers assess risk; some may offer discounts for safety tech, while others may price in the cost of sensors and software‑related repairs.
Battery coverage: The cost to repair or replace high‑voltage batteries is substantially higher than a typical engine, so checking whether your policy has specific EV/battery coverage (or whether you’d need a tailored EV policy) is key.
EV‑focused insurers: Several UK insurers now offer electric‑vehicle specific cover that can include perks such as home charger protection, roadside assistance tailored to EVs, and battery management support.
Tesla insurance options in the UK
Tesla has also partnered with insurers like Admiral for Tesla‑focused insurance products — this helps many owners get comprehensive cover designed for EVs without having to piece together add‑ons.
In summary, if you’re insuring a Model 3 or Model Y in the UK, expect market‑leading safety tech and efficiency but prepare for higher premiums than smaller conventional cars due to EV‑specific costs. Shopping around with EV‑specialist insurers and considering comprehensive cover with optional extras (like courtesy cars and battery protection) can help tailor the policy to your needs.
