We speak EV
(Even the ones they haven't heard of yet)
Unparalleled EV Motor Vehicle Insurance
Leading insurance for Electric cars
EV Owners prefer Star Insure.
Whilst others are still learning the name of your EV, we have already looked into the future, understanding the needs of discerning EV owners. If you are looking for quality insurance that is customisable to the how, what and where you drive your EV, Star is your choice.
Why Star Prestige for EVs
Cover that keeps pace with the technology
Battery & Powertrain Cover
Specialist cover for your EV's most valuable component. Including damage, degradation events, and charging-related incidents.
Agreed Value — No Surprises
We agree on the value of your vehicle upfront. If it's a total loss, you receive exactly what your policy states — no market-value arguments.
Home Charging Equipment
Your wall charger, cables, and charging accessories are covered under the same policy — not treated as an afterthought.
Prestige Replacement Vehicle
If your EV is off the road, we provide a like-for-like prestige replacement vehicle — not just any rental.
Roadside Assistance
EV-specific roadside cover including charge-point assistance, flatbed transport to approved service centres, and emergency charging support.
Approved EV Repairers
Repairs carried out only by manufacturer-approved EV specialists — protecting your vehicle's warranty and technology systems.
Specialist electric vehicle (EV) insurance.
We speak EV
(even the ones they haven't heard of yet).
Before creating this elite insurance policy, we saw that traditional policies were treating cutting-edge tech like an outdated combustion engine.
We started with a blank screen and coded the industry playbook for modern electric vehicle insurance.
Star Insure is NZ’s leading niche insurance provider trusted by over 100,000 Kiwis to protect their pride and joy. Driven by our passionate team of local Kiwi experts, we treat our customers like family, not spreadsheet entries or statistics. Looking after family is what Kiwis do, and we’re 100% NZ-owned and operated.
We have constantly innovated and improved our Star EV policy to create what is now the ultimate insurance package for electric and high-performance battery marques. Every policy is tailored to your specific needs, to provide the most comprehensive and technologically advanced vehicle insurance available in New Zealand.
In the event of a claim with Star EV, you will never be forced to hand your keys to a repairer who is still looking for the spark plugs. You have the freedom to choose your own repairer, along with the absolute assurance that only genuine manufacturer parts and approved digital diagnostics will be used to restore your vehicle to its original condition—without ever compromising your manufacturer’s warranty
Whether you need complete protection for your high-voltage battery, at-home wall boxes, or portable charging cables, we understand the exact ecosystem your car relies on. We cover both the physical hardware and the car, taking care of the complexities so you can just enjoy the drive.
Come and see why Star EV is the undisputed authority in electric vehicle insurance.
Peace of mind to keep you moving.
New Zealand’s best Roadside Assistance
Exclusive Roadside Assistance - the best bits.
- Nationwide 24/7 roadside assistance: Call 0800 888 247
- Cover applies to the vehicle, not the driver.
- Market-leading annual limits for roadside and towing services.
- NZ’s highest combined level of roadside support for EVs and specialty vehicles.
All Star Insure policies come with an exclusive Roadside Assistance membership, provided by New Zealand Roadside Assistance, giving you nationwide 24/7 support whenever you need it. Our membership covers the vehicle, (not the driver) so anyone behind the wheel of your EV gets extra peace of mind.
If your EV can’t be fixed on the spot, we’ll get you to safety. Our membership includes towage to the nearest secure location* whether that’s a repair shop, tow yard or your nominated home, with a maximum of $1,000 per callout and unlimited callouts throughout the year. With market-leading annual limits for roadside assistance and tow, this membership offers the highest combined level of support available in New Zealand.
*Nearest place of safety = a secure tow yard, mechanical repair premises or a nominated home address (whichever is the closest to the breakdown).
What do I need to get a quote?
- Personal Details
We’ll need a few personal details from you like your driver’s licence, date of birth, address and more. This helps us get a complete picture of your policy application and ensure you’re properly covered.
- Vehicle Details
Tell us about your EV including its registration number so we can pull the right details from the NZTA. We’ll also ask how you use it and how often, to make sure your cover fits perfectly.
- Driving History
We’ll ask you 8 questions as part of the process including whether you’ve had speeding tickets, previous accidents or convictions. Being upfront about your driving history is important because insurance relies on good faith and it can save you headaches later if you ever need to make a claim.
- Next Step - Our Review
At this stage, we’ve got your information and your file is assigned a quote number which is emailed to you right away. We’ll then personally review your application and put together your insurance options. If we receive your application during business hours, you can usually expect your options in your inbox within 30 minutes. Just click the link in the email to view them. From there, simply choose your preferred policy and any add-ons, select your policy start date (from today up to 30 days ahead) then pick monthly or annual payments and make payment. And just like that, you’re insured!
Frequently asked questions
Sometimes you just want a simple answer. Here it is.
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Not inherently, but premiums are often higher in practice. Insurers calculate premiums based on the vehicle's agreed value, parts availability, and repair costs. Because EVs generally have a higher upfront purchase price and can require specialised repair networks or expensive replacement parts, they can sometimes cost more to insure than equivalent petrol or hybrid models.
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Yes, under Star Insure’s EV policy, your battery is covered for sudden and accidental physical damage, such as a collision, fire, theft, or flood. However, we do not cover battery degradation, gradual capacity loss, or internal electrical and mechanical failures.
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No, the structure of the policies is identical. Whether you choose Comprehensive, Third Party Fire & Theft, or Third Party Only, you receive the same core benefits (like glass cover, transport home, or liability protection) as you would for a traditional petrol or diesel vehicle.
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Portable charging cables: The charging pack and cable that come with your vehicle are generally classed as vehicle accessories. They are covered under our insurance policy if they are stolen or damaged in an insured event.
Home charging stations: Permanently installed wall chargers are not covered by your vehicle insurance. Because they are wired into your property by an electrician, they fall under your Home or Contents insurance.
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Running out of charge (or suffering a flat tyre) is not covered under a standard insurance claim, just as running out of fuel isn't. However, if you purchase an optional roadside assistance add-on, we will typically tow your EV to the nearest public charging station or a safe location.
Insure your EV with NZ’s leading niche insurance provider.
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