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Nope, his home insurance said it was part of the car.
After two days of quote searching I decided on Admiral as they were competitive and also gave extra discounts for a multi car policy.
They had not heard of any issue regarding the theft of a main power cable being treated as an accessory. So based on the advice here, I asked them to confirm that the cable would be treated as an integral part of the car and not as an accessory. The agent promised to phone me back. When she did, she told me that neither the underwriters, Claims or Admin were prepared to commit to this. So I asked her to go and find someone who would!
Later she called back again. At last she confirmed the main cable is considered part of the car.
Insurance now purchased
My main cable and my 13amp cable are both covered as part of the car and not as accessories. Also covered if someone trips over the cable or gets electrocuted if the cable gets damaged in my absence.
Just a word to the wise. It caught me out.
I arranged the insurance with Admiral, partly as Indi said she had gone through the pain barrier with them re car/battery etc.
Anyway, to cut a long story short I insured the car for the full cost of purchase – just over 15 grand. Then an hour later I though ” hold on, I have forgotten to include the cost of the battery. So I called Admiral and increased my value of the car by an additional 7000 pounds to allow for the battery cost. The Admiral operator confirmed that both the value of the car and the battery would be included in any total loss claim and that this would be reflected. in their documentation
This morning I read through all 56 pages of their policy booklet and surprise surprise, no mention re EV cars or batteries.
So I called Admiral this morning. They understood the issue and spoke to an underwriter who confirmed they were both covered and that he would find out where in their documentation this is mentioned. 15 mins later they called me back and admitted that their documents have yet to reflect this cover and offered to send me a letter or email confirming that both car and battery values will be included in any total loss. I await this email.
Just though I should raise this in case anyone else forgets to add the value of the battery to their insurance quote/cover
Now just 24 days until Zoe arrives. 5 days until B Gas arrive………………….
Insurance companies are scumbags and they prey on people’s good nature. I bet you get no confirmation and in the case of a total loss, I bet they don’t pay out.
One point to note.
The Government Grant Scheme is not guaranteed to last for another year so the replacement value could be an extra £5000.
I am going to insure mine for £27000. £20538 full list for the car inc metallic plus £6500 for the battery.
I currently insure through Hastings. I’ve been on the phone for an hour trying to get cover. My existing underwrite won’t touch the Zoe because I don’t own the battery – they specifically asked the question.
So I was put through to the team that seeks quotes from their underwriters and was quoted £900+ to cvoer the car + battery as a seperate entity as the battery isn’t mine!
Direct Line gave me a price online of £299 to insure a second-hand Zoe, so back to them now to get a price to insure the new one.
Direct Line again: £20 cheaper to insure a brand new one with a value of £27k as per Zoe Al above. However, the question of the battery wasn’t raised on the online process, but they clearly recognise electric cars as it tells you to select electric in the fuel type.
I should add too then when I asked the dealer about insuring the battery he told me it was not necessary as it is “part of the car”.
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