- Tesla Model 3
- Tesla Model Y
- Hyundai Ioniq 5
- Kia EV6
- Mercedes EQE
These vehicles offer numerous advantages: fuel savings, driving comfort, a modern image, and easier access to certain urban areas.
However, one question often arises among drivers:
👉 Is the battery covered by PHV insurance?
The answer is simple:
👉 Yes, but not systematically and not in all situations.
Here's what you need to know.
Why is the battery such an important component?
Unlike a combustion engine vehicle, the battery represents a significant portion of an electric vehicle's value.
Depending on the model, its replacement can cost several thousand or even tens of thousands of euros.
For a PHV driver, whose vehicle is their main work tool, a damaged battery can have significant financial consequences.
Is the battery covered by the manufacturer's warranty?
In most cases, yes.
Manufacturers generally offer a specific warranty on the battery.
For example, Tesla covers its batteries for 8 years with varying mileages depending on the model and guarantees a minimum capacity level during this period.
⚠️ However, please note:
The manufacturer's warranty primarily covers:
- manufacturing defects
- certain technical failures
It does not necessarily cover all damages related to an accident or a claim.
Does PHV insurance automatically cover the battery?
👉 Not always.
It depends on the guarantees subscribed.
Third-party insurance
Third-party liability insurance only covers damages caused to third parties.
👉 Generally:
❌ your vehicle's battery is not compensated in the event of an at-fault accident.
Third-party liability remains the legal minimum required to drive.
Comprehensive insurance
In most comprehensive policies, the battery is generally included in the vehicle's damage coverages. Some companies explicitly state that battery damages are covered when they result from a guaranteed claim.
👉 This is often the most protective solution for a PHV driver who uses an electric vehicle daily.
In which cases can the battery be compensated?
Depending on the policies and coverages subscribed, the battery can be covered in cases such as:
🚗 Traffic accident
If the battery is damaged during an accident covered by the policy.
🔥 Fire
Some fire coverages include damages to the vehicle's electrical components.
🌪️ Climatic events
Depending on the chosen plan:
- hail
- storm
- natural disaster
🚨 Vehicle theft
When the battery is an integral part of the stolen vehicle.
What about battery breakdown?
It is important to distinguish between:
🔋 Discharged battery
This is simply a lack of range.
Some assistance guarantees provide for:
- breakdown assistance
- towing
- transport to a charging station
⚙️ Defective battery
When the battery has a technical failure:
👉 the manufacturer's warranty may apply.
👉 depending on the policies, some breakdown coverages may also take over.
Why should PHV drivers be particularly vigilant?
A PHV driver generally covers many more kilometers than a private driver.
This intensive use results in:
- more charging cycles
- greater strain on the battery
- a financially more impactful risk of immobilization
👉 A breakdown or a claim can quickly turn into a loss of revenue.
Guarantees to check before subscribing
When insuring an electric vehicle for PHV activity, check in particular:
✔️ Battery damage coverage
✔️ Battery breakdown assistance
✔️ 0 km breakdown assistance
✔️ Replacement vehicle
✔️ Loss of earnings coverage
When this option is available.
Mistakes to avoid
❌ Thinking that all insurance policies automatically cover the battery
❌ Limiting yourself to the price without checking the guarantees
❌ Neglecting assistance in case of electrical breakdown
❌ Forgetting the financial impact of prolonged immobilization
Why use a specialized PHV broker?
Electric vehicles used in PHV have specific characteristics that not all insurers handle in the same way.
A specialized broker can:
- compare several companies
- analyze exclusions
- check battery guarantees
- adapt coverage to your actual activity
👉 This helps avoid unpleasant surprises in the event of a claim.
Have your electric PHV insurance reviewed with KT VTC&TAXI
At KT VTC&TAXI, we support PHV drivers using:
- Tesla
- Hyundai
- Kia
- Mercedes EQ
- BMW i
- other electric vehicles
to find coverage adapted to their professional activity.
Request your personalized quote
Do you want to check if your battery is properly covered?
👉 Fill out our quote request form.
Our advisors will analyze your current guarantees and offer you a solution adapted to your electric vehicle and your PHV activity.
KT VTC&TAXI supports you in effectively protecting your work tool and securing your professional activity.