Renting Out a Home Charging Point

DrEskimo

ComicGeek said:

Grey_Critic said:

***Yes, you absolutely need Part P, but you don't need to specifically inform you home or car insurance.***

Part P is only required to confirm that the installation/equipment is installed/complies with Part P regulations.

If you do not inform your Home insurer that you have fitted a charger for electric vehicles and there is a fire that is due to the charger the insurers will not pay out.

It is in effect a modification - If you buy a car and fit a turbo then you have to inform the insurance company otherwise it is void. Same thing.

Nonsense - it's no different to fitting an extra power socket inside, or fitting an external light to the house. While Part P compliance is required (and the insurers may not pay out for a faulty installation) it is certainly not required to inform the insurers.

I've just renewed our home insurance and asked the question about our PV panels and charger, and they were only interested in making sure that the total replacement cost for the building and contents would cover these as well.

Thank you. Thought I was going nuts and couldn't find anything about needing to inform my home insurer....

Like you said, how would be and different to installing any other electrical equipment in the home.

Ectophile

Grey_Critic said:

***Yes, you absolutely need Part P, but you don't need to specifically inform you home or car insurance.***

Part P is only required to confirm that the installation/equipment is installed/complies with Part P regulations.

If you do not inform your Home insurer that you have fitted a charger for electric vehicles and there is a fire that is due to the charger the insurers will not pay out.

It is in effect a modification - If you buy a car and fit a turbo then you have to inform the insurance company otherwise it is void. Same thing.

I have never seen any insurance policy that requires you to tell them what electrical appliances you have in your home.  Would you tell them if you had a new shower fitted, or a new cooker, or a dishwasher...?

forgotmyname

Unless the insurer asks do you have one or more power points for vehicle charging then there is no need to inform
them. Do they ask if you have mains power in your shed or an outbuilding?

I would imagine this is a non issue unless there are fires caused by charging vehicles at home, then they may add
the question do you have an EV charger.

Renting out the charging can open up a whole can of worms though. You want to allow access 9-5 and someone
parks on your drive at 4:59 and goes off for a meal and a late night show. Where will you park in the meantime?

SiliconChip

I would have thought that issues about commercial use of the drive and the timing point that forgotmyname raises would have been well understood and resolved years ago for people who rent their drives for parking.

Grey_Critic

Talking rubbish - Mmmm Perhaps you might like to read this.

https://www.marsh.com/ie/industries/transportation/insights/ev-charge-points-new-risk-considerations.html

DrEskimo

Grey_Critic said:

Talking rubbish - Mmmm Perhaps you might like to read this.

https://www.marsh.com/ie/industries/transportation/insights/ev-charge-points-new-risk-considerations.html

This is guidance for organisations building residential and non-residential developments.
Nothing to do with private individuals installing chargers at their existing property.

So yes, your statement that an individual needs to inform their home insurance company after having an EV charger installed remains false.

Grey_Critic

***So yes, your statement that an individual needs to inform their home insurance company after having an EV charger installed remains false. ***

So you forget about informing your insurer - more sensible people will ensure that they do - bit late to find out you do not have cover when sifting through the ashes

DrEskimo

Grey_Critic said:

***So yes, your statement that an individual needs to inform their home insurance company after having an EV charger installed remains false. ***

So you forget about informing your insurer - more sensible people will ensure that they do - bit late to find out you do not have cover when sifting through the ashes

I didn't forget to do anything. There is no requirement to do so.

I am covered by the fact the installation was registered with Part P certificate, which ensures the equipment was installed following the current safety guidance on EV charger installations. Which is exactly the same for any other minor electrical work carried out in the home. None of which requires informing your insurance company.

Christ is it so hard to just admit you were mistaken?

Grey_Critic

DrEskimo said:

Grey_Critic said:

***So yes, your statement that an individual needs to inform their home insurance company after having an EV charger installed remains false. ***

So you forget about informing your insurer - more sensible people will ensure that they do - bit late to find out you do not have cover when sifting through the ashes

I didn't forget to do anything. There is no requirement to do so.

I am covered by the fact the installation was registered with Part P certificate, which ensures the equipment was installed following the current safety guidance on EV charger installations. Which is exactly the same for any other minor electrical work carried out in the home. None of which requires informing your insurance company.

Christ is it so hard to just admit you were mistaken?

Perhaps I am but I will be making further enquiries but should you (or anyone taking something said on a forum as being 100 correct) find yourself sifting through the ashes and the insurance assessor saying sorry but your insurance does not cover this remember you were then one who dismissed it.

Part P is to ensure that the instalation complies with the regulations - I note various people suggest elsewhere that you can DIY - Oh Dear

Jenni_D

You can DIY - as long as the installation is checked and certified by a qualified person.