As more Canadians make the switch to electric vehicles (EVs), understanding how insurance factors in is more important than ever. No matter which trusted brand you drive, EV ownership brings unique risks—and rewards.

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📊 EV Adoption Is Accelerating in Canada

Federal and provincial incentives, along with growing environmental awareness, are fueling a nationwide surge in EV sales. But insuring an EV isn’t quite the same as covering a traditional gas-powered vehicle.

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🔍 What Sets EV Insurance Apart?

✅ Higher repair costs – Specialized parts and trained technicians can push premiums higher
✅ Battery replacement coverage – Batteries are costly and may not be covered by default
✅ Charging equipment protection – Home charging stations might require additions to your auto or home policy
✅ Potential discounts – Some insurers offer green vehicle incentives or usage-based savings
✅ Liability remains key – Regardless of what you drive, coverage for collisions, theft, and third-party damage is essential

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💡 Why It Matters

• EVs often cost more to insure, though rates are evolving as adoption grows
• Understanding what’s included—and what isn’t—can help you avoid costly surprises
• Choosing the right policy ensures you get the full benefit of driving clean

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📣 Already behind the wheel of an EV—or thinking about it? Make sure your insurance is as forward-thinking as your car.

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