Electric Cars in Portugal: Which Insurance Policy Should You Choose, and What Coverage Should It Include?

Thanks to greater awareness of the importance of green mobility, rising fossil fuel prices, and the financial and tax benefits offered to those who purchase an electric car (exemption from IUC and ISV taxes, for example), sales of electric vehicles have seen a significant increase in Portugal.

According to the UVE data (Electric Car Users Association), it appears that sales of electric cars in Portugal through the first half of 2025 increased by more than 40% compared to the same period in 2024, a growth trend that, year after year, we are becoming accustomed to seeing.
More than just a trend, the decision to purchase 100% electric cars is, as we can see, a conscious and rational choice made by those who want to leave the smallest possible ecological footprint on the world.

Despite all the differences between these types of vehicles and more traditional internal-combustion cars, one thing remains the same: the need for insurance. However, it can’t be just any insurance.

The operation of an electric car is substantially different from that of a car powered by fossil fuels, which entails different mechanical problems and risks.

Although liability insurance (which covers damages to third parties) remains the same, special care must be taken when choosing coverage for an electric car to avoid financial complications and ensure truly green mobility.

Electric cars: What changes for insurance?

As we mentioned, liability insurance remains mandatory for anyone who drives an electric car; however, these types of vehicles pose new risks, particularly those related to the battery, charging cables, and electrical malfunctions. All of these factors require our close attention when choosing electric car insurance in Portugal.

However, the problems don't end there. Since the electric car's motor is an integrated unit—that is, it consists of a single component—a problem or malfunction could mean that the entire unit needs to be replaced.

Because they rely on an external power source—which is often unavailable—electric cars are also prone to electrical system overloads, damage to power cables, and short circuits that can render the vehicle inoperable.

Important Coverage for Electric Cars

And that is why it is essential to hire a electric vehicle auto insurance that is capable of offering coverage in line with these new protection needs.

Thus, among the most important types of coverage for electric cars are:

• Coverage for cables, plugs, and home charging stations: Household equipment is covered against acts of vandalism or attempted theft. Cables may be covered under the “Own Damage” coverage if they are connected to the vehicle and currently charging.
• Roadside assistance tailored to electric vehicles: The companies provide towing to the nearest loading point (the most comprehensive option is to the policyholder’s home), with the cost of loading borne by the owner and the policyholder.
• Compensation for Damage to Household Appliances: In the event of damage to Household Appliances caused by acts of vandalism or attempted theft, the Assistance Service will cover the costs of repairing or replacing the appliances up to the coverage limits set forth in the Special Conditions.
• Compensation for Theft, Robbery, or Acts of Vandalism Involving Cargo: If, as a result of theft, robbery, or acts of vandalism targeting the Insured Vehicle’s charging cables, the Insured Person is permanently deprived of them, the Assistance Service guarantees their replacement, up to the coverage limits set forth in the Special Conditions.

EXS Insurance for Electric Vehicles: What Does It Cover?

Given the importance of having comprehensive insurance, it’s best to look for the coverage that best protects our electric car—and, of course, our wallet.

That's exactly what EXS Seguros offers us:

• Customized protection at the best price
• Customized auto insurance options tailored to electric mobility and our needs
• Expert assistance in selecting the most relevant coverage options;
• We've secured competitive prices and flexible contract terms. Through an in-depth market analysis, EXS Seguros offers a solution that allows us to save hundreds of euros a year.

Benefits of Insuring Your Electric Car with EXS

When we insure our electric car through EXS Seguros, we’ll be able to enjoy the following benefits:

• Support from an experienced team with up-to-date knowledge of electric vehicles;
• Protection designed for the new challenges of mobility;
• Effective assistance;
• Comprehensive coverage tailored to electric vehicles, ensuring complete peace of mind;
• A fast and efficient hiring process.

Conclusion

Electric cars are here to stay… The climate crisis, the price of fossil fuels, and new European regulations regarding vehicle traffic are some of the factors contributing to consumers’ growing interest in 100% electric cars.

Although this option is more environmentally friendly, it presents a number of challenges that, given the novelty of this approach, may not have immediate solutions.
One of these challenges concerns the relationship between electric cars and mandatory insurance, which often fails to provide those who are committed to green mobility with the protection these drivers seek.

Because electric cars require a modern approach to auto insurance, it’s important to choose a policy that’s well-suited to the vehicle you drive and that protects you from the risks associated with battery problems or issues with its electrical components.

Protect your investment in electric cars and drive with greater peace of mind with the right insurance and EXS's support.

Don't wait for problems to arise, Request your estimate now!