As public sector bodies transition their fleets to electric vehicles, effective insurance is key to ensuring financial and asset protection, compliance, and operational efficiency.  

EVs and charging infrastructure present risks that differ to internal combustion engine (ICE) vehicles, which can include:  

• high repair costs 

• part availability 

• battery fire risk 

• vulnerabilities with charging infrastructures 

Addressing these challenges needs tailored insurance that protects against losses and liability concerns.  

EV insurance in Scotland has evolved alongside changes in policy. However, as more people get electric vehicles, insurance premiums still remain high. Considering net zero commitments, insurers and organisations must work together to tackle coverage challenges.

This section examines the role of insurance in public sector EV fleet management, exploring key risks, insurance considerations, and compliance.