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Hope you guys can give us some advise on this. We have a lot of customers asking us about insurance on the Zoe and the battery being covered. Obviously we tell them they need to make sure it is covered but having not had to ever arrange Zoe insurance myself I am unsure as to how aware the insurance companies are of the battery. Did you generally find that they already knew this? Also were their some companies that were better to deal with on Zoe’s?
Thanks for your help.Hi – I found the specialist EV insurers like Pluginsure etc. were aware of the battery issue (ie. that it needs covered in addition to the car and (in my case) is leased) but the main stream insurers were not and the conversation was more painful.
This needs to be explained to the insurer and the outcome rests on how good the person you get at the other end of the phone as to whether they understand the issues involved.
I personally opted for Admiral because of price and they used me as a test-case to set something up that would work for other EV’s going forward. The underwriters got involved and looked at the whole thing and understood the issues by the end of the process and set new guidelines for the company to deal with EVs.
You might find this helpful. You could print it off for your clients:-
http://www.thechargingpoint.com/knowledge-hub/hot-topics/hot-topics-insurance.html
Admiral best quote for me too.
Just got a provisional quote from Direct Line for a Zoe Intens of £193 with £150 voluntary excess (+£100 compulsory) including legal cover and no claim discount protection. They say it includes cover for the battery. 6000 miles/year. garaged. north Bristol.
Both of us are over 65 and retired with full ncd
It will be interesting to see what they quote when we have a registration number.When filling it in: “If your car is electric choose petrol.” and “If your car is electric choose automatic”
Fred
Two calls to esure here (different people each time). Both times were were put on hold while they “checked” and then said it’d be covered by adding notes to the policy.
Renewal due soon for me; I’m gonna get cheapest quote from a comparison site, then call and check they’re ok with it before signing up. I can’t imagine any insurers will have problems with it.
I’m insured through the NFU. I also worked with them as the first ev customer they covered. We worked with the underwriters to tailor a package that they now offer to other customers. There were a few items that we discussed above a normal ice policy.
Cable liability-others injuring themselves on your cable.
Ensuring that both cables are insured as a part of the car and not as accessories.(main and granny)
Cover for the home charge point as it too is integral to the running of the car.
Cover for the battery and associated costs for replacement as identified in the battery rental agreement.
Took a while but we got there in the end.
Thats great thanks for the feedback. hadn’t thought about advising customers to look into things like cable liability and the home charge point.
A friend of mine had a leaf cable stolen. His insurance only paid out max £100 per item because they classed it as an accessory. He had to pay the rest. Cheap insurance is cheap for a reason.
He may have been able to claim on home insurance – often people are paying twice for to cover same thing.
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