Renting Out a Home Charging Point

TooManyPoints

If insurers want to know anything they have to ask. It is not incumbent upon the proposer to guess what they might or might not be interested in (Consumer Insurance (Disclosure and Representations) Act 2012).

If they don't ask, as part of the proposal process, a question which will cover whether an EV charging point has been installed, they won't find out and they cannot deny or restrict cover in the event a claim is made resulting from the installation.

theoretica

Do the price limitations on the resale of electricity apply and complicate things?

https://www.ofgem.gov.uk/sites/default/files/docs/2005/10/11782-resaleupdateoct05_3.pdf

scrappy_returns

Grey_Critic said:

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

Are you guessing or have you asked any insurers for their input? That would be the simplest way to resolve this.

DrEskimo

scrappy_returns said:

Grey_Critic said:

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

Are you guessing or have you asked any insurers for their input? That would be the simplest way to resolve this.

No need, ComicGeek already did and the answer was no.

ComicGeek said:

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.

born_again

Grey_Critic said:

The charger is an item of specialised electrical equipment that the insurer needs to be informed has been fitted - failure to do somay negate your insurance.

But the charger is in the car. 
You do not have a charger on the wall. You have a external electric socket suitable to connect you car to the power supply so your car can charge itself.

ComicGeek

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 only really to do with high speed DC chargers that operate at much higher voltages, possibly up to 800V. This is like looking at the risks associated with petrol stations with their storage tanks, and then saying that you can't possibly have a petrol lawnmower at home...

When I get my 125 kW DC charger installed at home so I can charge my EV fully in 40 minutes, I'll let my insurers know...

Aretnap

ComicGeek said:

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 only really to do with high speed DC chargers that operate at much higher voltages, possibly up to 800V. This is like looking at the risks associated with petrol stations with their storage tanks, and then saying that you can't possibly have a petrol lawnmower at home...

When I get my 125 kW DC charger installed at home so I can charge my EV fully in 40 minutes, I'll let my insurers know...

Even if you did install something like that, as a consumer (as opposed to a business customer) you still wouldn't have to let your home insurer know unless they asked you about it. 

ComicGeek

Aretnap said:

ComicGeek said:

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 only really to do with high speed DC chargers that operate at much higher voltages, possibly up to 800V. This is like looking at the risks associated with petrol stations with their storage tanks, and then saying that you can't possibly have a petrol lawnmower at home...

When I get my 125 kW DC charger installed at home so I can charge my EV fully in 40 minutes, I'll let my insurers know...

Even if you did install something like that, as a consumer (as opposed to a business customer) you still wouldn't have to let your home insurer know unless they asked you about it. 

My response was more tongue in check. But in this case I would let them know, as I'm probably spending £40k on the DC charger, £15k on a new substation building on my land etc - all that needs to be included within the rebuild cost.

I'm working on some very large properties for the mega rich, but even they haven't requested 150kW DC chargers yet - only a matter of time though!

Aside from any uplift in rebuild costs to be declared, I think we're all pretty clear that you don't have to inform your home insurer about an EV charger now...

scrappy_returns

DrEskimo said:

scrappy_returns said:

Grey_Critic said:

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

Are you guessing or have you asked any insurers for their input? That would be the simplest way to resolve this.

No need, ComicGeek already did and the answer was no.

ComicGeek said:

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.

Quite probably,  but different insurers may have different stances, hence the question.

Jenni_D

scrappy_returns said:

DrEskimo said:

scrappy_returns said:

Grey_Critic said:

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

Are you guessing or have you asked any insurers for their input? That would be the simplest way to resolve this.

No need, ComicGeek already did and the answer was no.

ComicGeek said:

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.

Quite probably,  but different insurers may have different stances, hence the question.

But if they want to know then they have to ask / cover it in their T&Cs re. notification of changes - or was the post below wrong?

TooManyPoints said:

If insurers want to know anything they have to ask. It is not incumbent upon the proposer to guess what they might or might not be interested in (Consumer Insurance (Disclosure and Representations) Act 2012).

If they don't ask, as part of the proposal process, a question which will cover whether an EV charging point has been installed, they won't find out and they cannot deny or restrict cover in the event a claim is made resulting from the installation.

Does any (consumer/home) insurer have a clause about EV charge points and notification? I've just had a charge point installed recently, and I haven't notified my insurer (Admiral) and currently have no intent to do so.