Tesla insurance
A Tesla is an extraordinary electric car. With the right insurance, your Model 3 or Model S well protected in case of damage, theft and breakdown.
Suitable for all models
Also for Model 3, Model Y and Model S
A wide range
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Getting car insurance for your Tesla
Tesla is known as the brand for innovative electric cars, with advanced technology, impressive performance and sleek design. Whether you drive the popular Model 3, the spacious Model Y, the luxurious Model S or the powerful Model X - your Tesla is more than just a car. Precisely because a Tesla is packed with expensive batteries, smart software and self-driving features, standard car insurance is often not enough. After all, you not only want to be insured against damage, but also against specific risks associated with electric cars, such as battery damage or costs for special repairs. That's why it's smart to choose a Tesla insurance policy that perfectly matches your model and driving style.
Appropriate insurance for every Tesla model
Popular models
- Tesla Model 3
- Tesla Model Y
- Tesla Model X
- Tesla Model S
Car insurance coverages.
You can choose from 3 main coverages:
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Additional coverages for Tesla drivers.
In addition to choosing the right coverage for your car insurance, you can also compare and purchase various additional coverages.
Roadside Assistance Netherlands
v.a.
7 ,50
p/month
Help after an accident is standardly insured on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for the Netherlands.
Roadside assistance Europe
v.a.
9 ,66
p/month
Help after an accident is covered by default on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for Europe.
Legal Aid
from
7 ,10
p/month
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Occupant accidents
v.a.
1 ,53
p/month
Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.
Occupant damage
v.a.
3 ,86
p/month
This insurance pays for material damages suffered by the driver and passengers due to an accident.
Why standard car insurance is not enough
A Tesla is not your average car, and that is reflected in its insurance. Whereas standard car insurance often assumes traditional fuel cars, a Tesla has unique features that require extra attention. Consider a higher purchase price, a costly battery and complex software that receives regular updates.
Repairs also often require specialized parts and certified mechanics, which can increase costs compared to other cars.
Therefore, car insurance for all Tesla models offers better protection, so you can keep driving with peace of mind.
Accessories and upgrades co-insured
In addition to the standard equipment, with a Tesla you often choose additional accessories and upgrades that enhance driving pleasure and comfort. These include a home charging station, special wheels, a tow bar, a premium interior or advanced software features such as Enhanced Autopilot or Full Self-Driving.
With many insurers, accessories are often standard co-insured up to an amount of about €1,000. However, the accessories for a Tesla may soon come out to this amount. If you have more or more expensive upgrades, it is wise to declare them separately so that they are fully covered.
Chiptuning is also possible with and Tesla. This involves software modifications or adding a "DigiChip" to improve the car's performance, such as increased power, more pulling power and faster throttle response.Chiptuning, however, is not co-insured in most cases.
With the right coverage, you avoid having to pay for the cost of these valuable additions yourself in the event of damage or theft.
Claim-free years: impact on your premium
The moreclaim-free yearsyou have accumulated, the more advantageous your Tesla insurance premium will be. If you do not claim any damage during a policy year, you build up one claim-free year. In contrast, if you make a claim, you lose claim-free years, which affects your premium.
Young driver with a Model 3
€ 80,-
€ 100,-
€ 120,-
€ 140,-
*The premiums are based on a fictional person driving a 2019 Tesla Model 3. This person is 28 years old, living in Heteren with 3 claim-free years. The car insurance has WA+ coverage.
Experienced driver with a Model S
€ 120,-
€ 130,-
€ 140,-
€ 150,-
€ 160,-
*The premiums are based on a fictitious person driving a 2021 Tesla Model S. This person is 52 years old, living in Laren with 15 claim-free years. The car insurance has All-risk coverage.
New value or purchase value: how does compensation work?
When insuring your Tesla, it is important to pay attention to how damage is compensated. Some insurers have a new-value scheme: if your Tesla is totally lost within a certain period (e.g. 1 to 3 years) due to theft or damage, you will be reimbursed the new-value and you can buy an equivalent new car.
Other insurers operate a purchase value scheme, where you get back the amount you paid for the car at the time. Especially with Tesla cars, which can fluctuate in value due to innovations and market developments, this can make a big difference. Therefore, check carefully what arrangement your insurance offers so that you don't have any financial surprises in case of damage.
Additional security requirements with a Tesla
Because Tesla's often have a high daily value and are popular with thieves, insurers regularly impose additional security requirements. These include a Class 5 vehicle tracking system, an approved alarm or additional track & trace systems.
Some models already have advanced standard security, but this does not always meet insurer requirements. Failure to meet these requirements may affect your coverage in the event of theft.
So it's wise to check in advance what security is mandatory and arrange it directly when you purchase or insure your Tesla. This way you can be sure that you are fully protected.
Insuring your Tesla through Alpina
- Experience with high-end and sports cars
- New value insurance and accessory insurance possible
- Quick insight into your premium, with no strings attached
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Help from our experts
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Frequently asked questions about Tesla car insurance
Is a Tesla more expensive to insure than a regular car?
Yes, a Tesla is usually more expensive to insure due to its high purchase value and the cost of damage repairs. Still, some insurers offer special electric car insurance policies that are more favorable.
Weight
Weight is a premium determining factor for third-party coverage. Electric cars are often heavier than gasoline cars because of the battery. As a result, the liability premium is also higher
Catalog value
The list value of electric cars is also often higher than the gasoline or hybrid variants. This is also a premium-increasing factor.
Damage load due to electronics
Because of all the electronics in a Tesla, it often costs more to repair a damage. Therefore, this is another reason why it is more expensive to insure an electric car.
What factors determine the premium for Tesla insurance?
Important factors are the Tesla model (e.g. Model 3 or Model S), the list value, the number of claim-free years, your place of residence and the coverage chosen (third-party, third-party+ or All-risk).
Which coverage is best for a Tesla: third-party, third-party+ or All-risk?
All-risk insurance is usually recommended for a new or young Tesla, as it covers both your own damage and damage to others. Older Tesla's can be more economically insured with WA+.
Are there special insurances for electric cars like Tesla?
Yes, many insurers offer special EV insurance with additional benefits, such as coverage for the charging station, charging cables and battery. This makes the insurance better suited to electric driving.
How does claims recovery work with Tesla insurance?
In case of damage, you often have to go to an authorized Tesla Service Center or selected repair shop. This ensures you get original parts and the right expertise.
Will I get a discount on my Tesla insurance if I have solar panels or a charging station?
Some insurers offer discounts or extra coverage if you have a charging station or solar panels at home, as this contributes to sustainable and safe use of the car.
What happens to insurance if a Tesla is totaled or stolen?
In the event of a total loss or theft, you are usually paid the new-for-old value or daily value, depending on the policy terms. Some insurers offer new value coverage for Tesla's for the first few years.
Can I purchase Tesla insurance with additional coverages such as roadside assistance?
Yes, you can choose additional coverages such as electric vehicle breakdown assistance, occupant insurance or legal assistance. This provides additional security while driving your Tesla.
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