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if you look in the documentation section here there is a copy of a battery agreement. They are quite clear about how it has to be insured. AJ, perhaps your dealer should read it!!!
I think this re-enforces the issue that getting insurance for EV is or can be problematic and is certainly not a straightforward matter. If the dealer selling the EV doesn’t know then what hope is there for mainstream insurers?!
Green/EV insurers know what they are talking about and the mainstream ones are in a process of getting to grips with it. Some are better equipped than others. Some won’t deal with EV at all and that is the first question to ask before going through personal details as you may be wasting your time.
I have got a quote of compare the market and the cheapest was admiral. There were no questions about the battery or anything. I just assumed they knew what the car was and that was that.
They need to know if you own or lease the battery. If you lease the battery then the onus is on you to inform them and as per your agreement to insure separately.
If you own the battery – I don’t know how that affects insurance cover as that wasn’t an option last year when I took insurance cover.
When I insured with Admiral I specifically asked the agent that the battery is included in the value insured. She had to put me in old and ask advice from her supervisor, which is fine (you can’t expect every agent to be familiar with EV’s yet) and came back confirming its all covered.
I presume in the event of a dispute they keep recordings of the call too.
Personally I feel confident that Admiral are clued up about this and are doing it right.
Re Admiral. Yes they cover both car and battery and I have an email from them yesterday to confirm this fact fact as it applies to my policy
Just had a call from Admiral and the call centre person said he would contact the underwriters and get back to me. He seemed to think the value should be the car + battery without the £5000 PiCG, i.e something like £29000 – £30,000 and that they would pay out on the car+battery market value, as if I’d bought the Zoe iDynamique Intens. Not sure that’s guaranteed to cover, we have no idea what the market value will be in up to 36 months.
Yes that’s right Fred …car without PIGC applied ….as that is not guaranteed going forwards and you might be out of pocket. It’s the value today rather than what you paid for it. Confusing isn’t it?
And then the value of the battery on top which is about £6.9 from memory.
Indi is correct according to the brokers who run ElectricarInsure. They confirmed insured value of car = full car price + battery without taking into account government PiCG or any dealer discount.
I have got a quote of compare the market and the cheapest was admiral. There were no questions about the battery or anything. I just assumed they knew what the car was and that was that.
Totally agree – I am with Tesco’s and when i talk to them i mentioned batteries and they said it’s an electric car everything is covered.. Fine with me this is all i needed to hear.
Craig
Q – Hi i have just bought a 2.0l focus i want insuring please.
A – No problem sir but i am sorry to say the engine isn’t covered?Ok so the batteries are owned by Renault and i lease them off them if anything happens god forbid i will argue the case in court..
Craig
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