Car Insurance Help please!

Bigwheels1111

Have the same issue, I drive a race car, Peugeot 5008 1.6 bluehdi auto 120hp.
0-60 in 2 minutes.
12 years no claims, over 50, low mileage, one at fault claim £1300 was the best quote this year.
So I stayed with Bymiles for another year. 6th year from memory.
£110 fully comp, protected bonus, Legal, hire car.
Then 17p a mile and capped at 150 in one day £25.50 max per day.
Billed at the end of the month like a phone contract.
I tend to do a long round trip in one day to visit family and friends 4 times a year, 400 mile round trip so cost £25.50
for the day.

MattMattMattUK

Arunmor said:

Ectophile said:

facade said:

DrEskimo said:

Grey_Critic said:

There are articles in the press today on the subject of incresed price of car insurance. It is suggested that EVs are one reason.

Around 1m cars in the UK are estimated to be EVs, out of a total of 41m cars.

Only 2% of all cars, but apparently the cause of everyone’s insurance increase. Sounds plausible….

Perfectly plausible to me, any excuse to re-evaluate risk, you might park in the same multi storey car park as an EV....

There are about 2.3 million car insurance claims a year. Assuming that there is only one per car, that is 5.6% of the cars are responsible for everyone's premium! (on the other hand, everyone has to pay 1/20th of the cost of their accidents....)

According to dot gov, there are only 100,000 or so RTAs per year though......

Remember that the car that burned down the multi-storey car park at Luton Airport was a diesel.  Electric cars catch fire less often than petrol or diesel cars.

Of course they will because there are a lot less of them.  Have you checked the figures for e-bikes/scooters horrific.  Same batteries,

Not the same batteries, the same battery chemistry, very different things. 

Ectophile

Arunmor said:

Ectophile said:

facade said:

DrEskimo said:

Grey_Critic said:

There are articles in the press today on the subject of incresed price of car insurance. It is suggested that EVs are one reason.

Around 1m cars in the UK are estimated to be EVs, out of a total of 41m cars.

Only 2% of all cars, but apparently the cause of everyone’s insurance increase. Sounds plausible….

Perfectly plausible to me, any excuse to re-evaluate risk, you might park in the same multi storey car park as an EV....

There are about 2.3 million car insurance claims a year. Assuming that there is only one per car, that is 5.6% of the cars are responsible for everyone's premium! (on the other hand, everyone has to pay 1/20th of the cost of their accidents....)

According to dot gov, there are only 100,000 or so RTAs per year though......

Remember that the car that burned down the multi-storey car park at Luton Airport was a diesel.  Electric cars catch fire less often than petrol or diesel cars.

Of course they will because there are a lot less of them.  Have you checked the figures for e-bikes/scooters horrific.  Same batteries,

Cheap Chinese electric scooters are definitely the exception.

In Sweden, they are keeping track of vehicle fires.  0.4% are pure electric vehicles, 1.5% are hybrids, leaving 98.1% of vehicle fires being in fssil-fuel powered ones.  But about 13.6% of all the cars in Sweden are now electric. https://www.motortrend.com/features/you-are-wrong-about-ev-fires/

Mr.Generous

DrEskimo said:

Grey_Critic said:

There are articles in the press today on the subject of incresed price of car insurance. It is suggested that EVs are one reason.

Around 1m cars in the UK are estimated to be EVs, out of a total of 41m cars.

Only 2% of all cars, but apparently the cause of everyone’s insurance increase. Sounds plausible….

The situation with damaged EV's in a repair yard is the HUGE empty space they have to leave around the vehicle in case it goes up in smoke. I can't recall the exact area, but you could probably store 50 ICE vehicles or 2 EV's and comply with the rules. I'll try and find it.

Here we go ...

Damaged electric vehicle (EV) storage

Electric vehicles that sustain minor accidents are being kept 15 meters apart in repair garages over fears that they may explode, meaning just two damaged electric cars are taking the same space as 100 petrol or diesel cars, under current DVLA and Transport Department guidelines.

The Department of Transport has found that fires can reignite within hours or even days following an accident. It, therefore, advises technicians to isolate the HV system by disconnecting the low voltage system and removing the HV system manual service disconnect.

EVs with a suspected damaged HV system should be stored in an outside quarantine area, where the vehicle will be monitored for up to 48 hours after an incident. Where the HV battery temperature does not drop to an ambient temperature, the Government advises to leave the vehicle until its safe, as electric vehicles have been known to ignite up to two weeks after an accident.

Mildly_Miffed

MattMattMattUK said:

Arunmor said:

Ectophile said:

facade said:

DrEskimo said:

Grey_Critic said:

There are articles in the press today on the subject of incresed price of car insurance. It is suggested that EVs are one reason.

Around 1m cars in the UK are estimated to be EVs, out of a total of 41m cars.

Only 2% of all cars, but apparently the cause of everyone’s insurance increase. Sounds plausible….

Perfectly plausible to me, any excuse to re-evaluate risk, you might park in the same multi storey car park as an EV....

There are about 2.3 million car insurance claims a year. Assuming that there is only one per car, that is 5.6% of the cars are responsible for everyone's premium! (on the other hand, everyone has to pay 1/20th of the cost of their accidents....)

According to dot gov, there are only 100,000 or so RTAs per year though......

Remember that the car that burned down the multi-storey car park at Luton Airport was a diesel.  Electric cars catch fire less often than petrol or diesel cars.

Of course they will because there are a lot less of them.  Have you checked the figures for e-bikes/scooters horrific.  Same batteries,

Not the same batteries, the same battery chemistry, very different things. 

Same battery chemistry as smartphones and laptops and cordless drills and...

Strange how nobody seems convinced they'll burst into flames at a glance.

Perhaps the issue is that e-scooters are illegal, so the only people selling them are shonky shysters selling junk?

DullGreyGuy

Mildly_Miffed said:

Perhaps the issue is that e-scooters are illegal, so the only people selling them are shonky shysters selling junk?

Not fully true, there are legal eScooters too, but few reports of Lime scooters bursting into flames. But it's not just scooters... ebikes are more commonly legal but again we see a diverge between different brands of bike/charger and DIY options. 

Fundamentally a car has to go through vastly more safety checks to be sold in the UK -v- other classes of product.

Goudy

Mildly_Miffed said:

MattMattMattUK said:

Arunmor said:

Ectophile said:

facade said:

DrEskimo said:

Grey_Critic said:

There are articles in the press today on the subject of incresed price of car insurance. It is suggested that EVs are one reason.

Around 1m cars in the UK are estimated to be EVs, out of a total of 41m cars.

Only 2% of all cars, but apparently the cause of everyone’s insurance increase. Sounds plausible….

Perfectly plausible to me, any excuse to re-evaluate risk, you might park in the same multi storey car park as an EV....

There are about 2.3 million car insurance claims a year. Assuming that there is only one per car, that is 5.6% of the cars are responsible for everyone's premium! (on the other hand, everyone has to pay 1/20th of the cost of their accidents....)

According to dot gov, there are only 100,000 or so RTAs per year though......

Remember that the car that burned down the multi-storey car park at Luton Airport was a diesel.  Electric cars catch fire less often than petrol or diesel cars.

Of course they will because there are a lot less of them.  Have you checked the figures for e-bikes/scooters horrific.  Same batteries,

Not the same batteries, the same battery chemistry, very different things. 

Same battery chemistry as smartphones and laptops and cordless drills and...

Strange how nobody seems convinced they'll burst into flames at a glance.

Perhaps the issue is that e-scooters are illegal, so the only people selling them are shonky shysters selling junk?

I think the worry, whether perceived or not is that most modern mobile phone batteries have 1 or perhaps 2 rather small cells.
Your 18v drill battery would have 5 cells and an average laptop 6 cells.

Your average EV on the other hand has between 5000 and 9000 cells.

Excess heat in one cell can cause a fire which causes a fire in the next and the next and the next until all of them have burnt out.

I am sure most will admit the potential consequences of 2, 3 or 4 cells setting fire would be a lot less than the potential consequences of 9000 cells setting fire.

It seems apparent DVLA and the Department for Transport don't actually think it's perceived, which is why they recommend a safe distance between damaged EV.
Can you imagine 20 or more damaged EV's parked close together, each with up to 9000 cells and one cell overheats and combusts.