EV Insurance India 2026
Premium Calculator & Protection Guide
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Why 2026 EV Insurance?
- 15% Green Subsidy: On Third-party premiums.
- Battery Add-on: Protection against surge & water.
- Telematics: Pay-as-you-drive ready.
Insurance Summary
Includes: Own Damage (2.5%), TP (IRDAI 2026), Battery Cover & 18% GST.
EV vs Petrol Cost Analysis
| Feature | Electric (EV) | Petrol (ICE) |
|---|---|---|
| TP Premium | ₹2,904 (Discounted) | ₹3,416 (Standard) |
| Maintenance | Low (No Engine) | High (Oil/Filters) |
| Battery Cover | Included (Add-on) | N/A |