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Does car insurance cover a home EV charger?

By , Writer · As of 12 Nov 2026 (Singapore time)

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-cover-a-home-ev-charger

Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

On some plans for electric cars. 5 of the 20 insurers we compare name a charger or charging station in their benefits; 14 do not name one in the benefits we hold. Limits and what is covered differ from plan to plan, so check the wording if you have a charger at home.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 5.
  • Insurers that sell it as an optional add-on: 1.
  • Insurers whose documents do not say: 14.
  • Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount: ECICS Comprehensive, S$763.00.
  • Median price among the insurers that cover it, for the same example: S$1,012.99.

What each insurer says

Each insurer's most favourable plan on this question, quoted from its policy documents. Prices are for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount.
InsurerCovered?What the policy saysFrom
ECICSYesfrom S$763.00Yes
Comprehensive6 of its 8 plansHome EV charger: Electric cars only: your private home charger covered up to S$10,000 (fire, theft, malicious damage, natural disaster), and liability from its use up to S$100,000
S$763.00Buy Now
SinglifeYesfrom S$1,262.98Yes
Motor Standard2 of its 3 plansElectric vehicle cover: If your car is electric: battery covered like the rest of the car; charging cable up to S$500 and home charging station up to S$500; liability for accidents involving the attached cable; free tow in Singapore when the battery runs out
S$1,262.98Buy Now
AllianzYesYes
Allianz Electric Motor Protect Comprehensive4 of its 26 plansElectric vehicle cover: Electric and electronic components (battery, electric motor, charging cables), ADAS and cyber-hacking cover; your private charging station up to S$5,000 (external damage), its liability to others up to S$50,000, charging-station fire damage to home contents up to S$25,000, portable charging cable up to S$300, public charging station compassionate cover up to S$50,000
–
Great EasternYesYes
GREAT EV Protect Comprehensive (Any Workshop)1 of its 5 plansCharging extras: Accidental damage to your private charging station up to S$5,000; outpatient medical expenses for burns or electric shock while charging up to S$1,000 per person a year; home contents damaged by fire from the charging station up to S$20,000
–
UOIYesYes
UniCar Comprehensive Plus1 of its 4 plansCharging extras: Accidental damage to your private charging station at home covered (not internal mechanical or electrical faults)
–
FWDOptional add-onOptional add-on
eDrivo Premium2 of its 5 plansOptional covers (extra premium): NCD Protector (at least 30% NCD; free at renewal after two years at 50% NCD with Income); daily transport allowance S$50 or S$100 a day, up to 7 days, for the first two claims; excess waiver (S$600 excess only); private charger cover up to S$5,000; Roadside assistance and wellness cover S$8.72 a year
–
HL AssuranceNot statedfrom S$713.21Not stated
Car Protect360 Comprehensive2 of its 2 plansThe plan's documents do not mention it.
S$713.21Buy Now
AIGNot statedfrom S$732.80Not stated
AIG Car Insurance Collision Only2 of its 2 plansThe plan's documents do not mention it.
S$732.80Buy Now
Great AmericanNot statedfrom S$751.11Not stated
Motor Private Car Comprehensive (Authorised Workshop)4 of its 4 plansThe plan's documents do not mention it.
S$751.11Buy Now
EtiqaNot statedfrom S$753.48Not stated
Private Car Insurance – Comprehensive (Authorised Workshop)4 of its 8 plansThe plan's documents do not mention it.
S$753.48Buy Now
MS First CapitalNot statedfrom S$776.66Not stated
Comprehensive3 of its 3 plansThe plan's documents do not mention it.
S$776.66Buy Now
ERGONot statedfrom S$790.88Not stated
SMART Comprehensive4 of its 4 plansThe plan's documents do not mention it.
S$790.88Buy Now
SompoNot statedfrom S$830.39Not stated
Comprehensive Cover – Authorised Workshop Plan4 of its 4 plansThe plan's documents do not mention it.
S$830.39Buy Now
IncomeNot statedfrom S$866.72Not stated
Drivo Classic5 of its 5 plansThe plan's documents do not mention it.
S$866.72Buy Now
LibertyNot statedfrom S$1,232.96Not stated
Comprehensive Preferred Plan4 of its 11 plansThe plan's documents do not mention it.
S$1,232.96Buy Now
QBENot statedfrom S$1,586.28Not stated
Private Motor Prestige Comprehensive2 of its 3 plansThe plan's documents do not mention it.
S$1,586.28Buy Now
Budget DirectNot statedNot stated
Car Insurance – Comprehensive4 of its 4 plansThe plan's documents do not mention it.
–
DirectAsiaNot statedNot stated
Car Insurance – Comprehensive, Value plan15 of its 15 plansThe plan's documents do not mention it.
–
India InternationalNot statedNot stated
Comprehensive (any workshop or authorised workshops)3 of its 3 plansThe plan's documents do not mention it.
–
MSIGNot statedNot stated
MotorMax2 of its 2 plansThe plan's documents do not mention it.
–

All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.

See every insurer's price for your own answers, with each plan's cover side by side.

Compare car insurance

Buy Now addresses

Each listed insurer's best-value plan for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, lowest premium first.

Questions people ask

Does car insurance cover a home EV charger?

On some plans for electric cars. 5 of the 20 insurers we compare name a charger or charging station in their benefits; 14 do not name one in the benefits we hold. Limits and what is covered differ from plan to plan, so check the wording if you have a charger at home.

Where do these answers come from?

From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 121 plans from 20 insurers. The policy wording is the final word on what is covered.

Which plan is cheapest?

For Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, ECICS Comprehensive is the cheapest plan that covers it, at S$763.00 today, GST included. The median of each insurer's lowest price is S$1,012.99.