Tesco car inurance

Swaledale

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Hoenir

Swaledale said:

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Allianz UK is warning motor traders to be aware of the risks associated with Electric Vehicle (EV) battery fires, which have caused extensive damage in recent cases and created unique challenges. 

• Marked increase in severity of EV battery fires within motor trade 
• ‘Thermal runaway’ can occur days or weeks after initial trigger damage occurs
• Risk management strategies are a must to help motor traders manage risks  

Lithium-ion batteries, used in EVs, have been identified as a potential risk due to their thermal instability. When damaged, mishandled, stored or transported incorrectly, these batteries can experience ‘thermal runaway’, a rapid self-heating fire that can lead to explosions which can happen days or even weeks later.

While research, including findings from Thatcham Research, indicates that EVs are generally less likely to catch fire compared to traditional combustion engines, the intensity and severity of these fires can be significantly greater. 

This is due to the ferocity with which lithium-ion batteries can burn, posing unique challenges for motor traders, particularly in relation to health and safety.

This has been observed in several high-profile cases within the motor trade sector. Additionally, some EV batteries have increasingly been found to have manufacturing defects, raising the risk of combustion.

Swaledale

Hoenir said:

Swaledale said:

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Allianz UK is warning motor traders to be aware of the risks associated with Electric Vehicle (EV) battery fires, which have caused extensive damage in recent cases and created unique challenges. 

• Marked increase in severity of EV battery fires within motor trade 
• ‘Thermal runaway’ can occur days or weeks after initial trigger damage occurs
• Risk management strategies are a must to help motor traders manage risks  

Lithium-ion batteries, used in EVs, have been identified as a potential risk due to their thermal instability. When damaged, mishandled, stored or transported incorrectly, these batteries can experience ‘thermal runaway’, a rapid self-heating fire that can lead to explosions which can happen days or even weeks later.

While research, including findings from Thatcham Research, indicates that EVs are generally less likely to catch fire compared to traditional combustion engines, the intensity and severity of these fires can be significantly greater. 

This is due to the ferocity with which lithium-ion batteries can burn, posing unique challenges for motor traders, particularly in relation to health and safety.

This has been observed in several high-profile cases within the motor trade sector. Additionally, some EV batteries have increasingly been found to have manufacturing defects, raising the risk of combustion.

More fake news . I am insured with Allianz who provide excellent service and have no problems with EV's. 

DullGreyGuy

Swaledale said:

Hoenir said:

Swaledale said:

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Allianz UK is warning motor traders to be aware of the risks associated with Electric Vehicle (EV) battery fires, which have caused extensive damage in recent cases and created unique challenges. 

• Marked increase in severity of EV battery fires within motor trade 
• ‘Thermal runaway’ can occur days or weeks after initial trigger damage occurs
• Risk management strategies are a must to help motor traders manage risks  

Lithium-ion batteries, used in EVs, have been identified as a potential risk due to their thermal instability. When damaged, mishandled, stored or transported incorrectly, these batteries can experience ‘thermal runaway’, a rapid self-heating fire that can lead to explosions which can happen days or even weeks later.

While research, including findings from Thatcham Research, indicates that EVs are generally less likely to catch fire compared to traditional combustion engines, the intensity and severity of these fires can be significantly greater. 

This is due to the ferocity with which lithium-ion batteries can burn, posing unique challenges for motor traders, particularly in relation to health and safety.

This has been observed in several high-profile cases within the motor trade sector. Additionally, some EV batteries have increasingly been found to have manufacturing defects, raising the risk of combustion.

More fake news . I am insured with Allianz who provide excellent service and have no problems with EV's. 

Note that the concern is with Motor Traders not consumers, similarly Marine insurers and P&I clubs have concerns particularly after the 3 major fires in 22 and 23, two of which weren't started by EVs but the extent of the damage has been tied to them with one alone being a claim of $450m

Mr.Generous

DullGreyGuy said:

Swaledale said:

Hoenir said:

Swaledale said:

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Allianz UK is warning motor traders to be aware of the risks associated with Electric Vehicle (EV) battery fires, which have caused extensive damage in recent cases and created unique challenges. 

• Marked increase in severity of EV battery fires within motor trade 
• ‘Thermal runaway’ can occur days or weeks after initial trigger damage occurs
• Risk management strategies are a must to help motor traders manage risks  

Lithium-ion batteries, used in EVs, have been identified as a potential risk due to their thermal instability. When damaged, mishandled, stored or transported incorrectly, these batteries can experience ‘thermal runaway’, a rapid self-heating fire that can lead to explosions which can happen days or even weeks later.

While research, including findings from Thatcham Research, indicates that EVs are generally less likely to catch fire compared to traditional combustion engines, the intensity and severity of these fires can be significantly greater. 

This is due to the ferocity with which lithium-ion batteries can burn, posing unique challenges for motor traders, particularly in relation to health and safety.

This has been observed in several high-profile cases within the motor trade sector. Additionally, some EV batteries have increasingly been found to have manufacturing defects, raising the risk of combustion.

More fake news . I am insured with Allianz who provide excellent service and have no problems with EV's. 

Note that the concern is with Motor Traders not consumers, similarly Marine insurers and P&I clubs have concerns particularly after the 3 major fires in 22 and 23, two of which weren't started by EVs but the extent of the damage has been tied to them with one alone being a claim of $450m

I had to look it up ...

A Protection and Indemnity (P&I) club is a mutual insurance association for shipowners and charterers, providing coverage for various liabilities related to ship operations. These clubs offer insurance against claims resulting from issues like collisions, cargo loss, pollution, and personal injury to crew and passengers. P&I clubs operate on a mutual basis, where members pool their resources to pay claims, and membership is typically required for vessels engaged in commercial shippin

DullGreyGuy

Mr.Generous said:

DullGreyGuy said:

Swaledale said:

Hoenir said:

Swaledale said:

DullGreyGuy said:

Swaledale said:

retiredbanker1 said:

EV's have a tendency to go on fire even when parked up.

Have you told your home insurer that you have an electric car?

You may find that your home insurance premium increasing.

I suggest you check your facts on all your comments.  Do a little research you don't have to look far and you will find if you want to be silly about vehicles catching fire that petrol/diesel vehicles are more likely to catch fire than EV's. 

The issues with EVs is not the frequency of when they catch fire but the ferocity of the fire when they do. They tend to cause much more damage when they do go up. If its at home then thats your own problem but anywhere else and there are often claims for damage to adjacent cars, road resurfacing etc etc which do also happen with ICE vehicles but not at the frequency of EVs

Again I suggest you check your facts. You appear to to full of false scare mongering delusional nonsense. I suggest you either get educated or keep your nonsense to your self.

Allianz UK is warning motor traders to be aware of the risks associated with Electric Vehicle (EV) battery fires, which have caused extensive damage in recent cases and created unique challenges. 

• Marked increase in severity of EV battery fires within motor trade 
• ‘Thermal runaway’ can occur days or weeks after initial trigger damage occurs
• Risk management strategies are a must to help motor traders manage risks  

Lithium-ion batteries, used in EVs, have been identified as a potential risk due to their thermal instability. When damaged, mishandled, stored or transported incorrectly, these batteries can experience ‘thermal runaway’, a rapid self-heating fire that can lead to explosions which can happen days or even weeks later.

While research, including findings from Thatcham Research, indicates that EVs are generally less likely to catch fire compared to traditional combustion engines, the intensity and severity of these fires can be significantly greater. 

This is due to the ferocity with which lithium-ion batteries can burn, posing unique challenges for motor traders, particularly in relation to health and safety.

This has been observed in several high-profile cases within the motor trade sector. Additionally, some EV batteries have increasingly been found to have manufacturing defects, raising the risk of combustion.

More fake news . I am insured with Allianz who provide excellent service and have no problems with EV's. 

Note that the concern is with Motor Traders not consumers, similarly Marine insurers and P&I clubs have concerns particularly after the 3 major fires in 22 and 23, two of which weren't started by EVs but the extent of the damage has been tied to them with one alone being a claim of $450m

I had to look it up ...

A Protection and Indemnity (P&I) club is a mutual insurance association for shipowners and charterers, providing coverage for various liabilities related to ship operations. These clubs offer insurance against claims resulting from issues like collisions, cargo loss, pollution, and personal injury to crew and passengers. P&I clubs operate on a mutual basis, where members pool their resources to pay claims, and membership is typically required for vessels engaged in commercial shippin

It's an odd little world, they'd probably be outlawed were it not for their history and mutual status. The 12 clubs that make up the International Group cover over 90% of the whole world's commercial shipping liability. I believe it used to be higher but sanctions makes things difficult. 

Virtually every P&I policy renews at midday on 20 February world wide, a date associated with when the Baltic ports were to be sufficiently ice free for navigation. As they are mutuals premiums arent fixed but can be adjusted up or down for several years after depending on the claims experience. The collectively reinsure each other and then reinsurer the excess together to the wider reinsurance market.

Swaledale

I seem to have started quite a debate about EV'S not intending it to get this deep. It all started with a simple question about insurance . All these reports being quoted should be read in context. The bottom line being that EV'S are and have been proved to be very safe.

retiredbanker1

A simple Google search brought this up - take it as you will

Yes, it's generally advisable to inform your home insurance provider if you have an electric car and a home charging point, as this can affect your policy and coverage. 

Here's why:

• Potential for Double Insurance:

  Some home insurance policies now cover EV charging points and cables, while car insurance may also cover similar items. This can lead to "double insurance" situations where it's unclear which policy covers a claim, and you might end up paying your excess twice, says Defaqto. 

Risk Profile Change:

An EV charger might be seen as increasing your home's risk profile, particularly regarding fire hazards or potential hazards from cables, says anthonyjones.com. 

Policy Coverage:

Your current home insurance policy might not cover the EV charger or related damage. If it doesn't, you could be out of pocket if something happens to the charger, says anthonyjones.com. 

Insurers May Require Notification:

Some insurers might require you to notify them about the EV charger installation, especially if it's a fixed charging point, says Myenergi. 

What to do:

• Check your policy:

  Review your home insurance policy and see if it covers EV chargers, cables, or any related damage. says Defaqto
• Contact your insurer:

  If you have any doubts about coverage, contact your home insurance provider to discuss how having an EV and a charging point might affect your policy.
• Consider policy amendments:

  If your current policy doesn't adequately cover the charger, you might need to consider amending your policy to ensure you have the necessary coverage, says anthonyjones.com. 

Aretnap

retiredbanker1 said:

A simple Google search brought this up - take it as you will...

Text found through simple Google searches does have a tendency to make things sound more complicated than they need to. I suppose a website can't just say "no you didn't need to tell your home insurer", just in case there is a home insurer out there that does ask about it. More importantly though, most of the text that appears high up in Google rankings these days is written not with the goal of informing the reader, but with the goal of boosting the site's search engine ranking, or getting the reader to scroll past adverts while reading the page. "No you don't need to tell your insurer" would fail to achieve either goal - it's to short for SEO and you can't squeeze many adverts into that little text. 

In any event whether your charger is covered by your home insurance (like any other improvement to your house, it is covered unless the policy explicitly excludes it) is a completely different question to whether you have to tell your home insurer about your car so they can factor it into your premium. As a consumer you do not have to guess at what risks an insurer might want to know about; you only have to answer the questions that they actually ask you. This is a very well established principle in insurance law, and not even slightly controversial.

retiredbanker1

Aretnap said:

retiredbanker1 said:

A simple Google search brought this up - take it as you will...

Text found through simple Google searches does have a tendency to make things sound more complicated than they need to. I suppose a website can't just say "no you didn't need to tell your home insurer", just in case there is a home insurer out there that does ask about it. More importantly though, most of the text that appears high up in Google rankings these days is written not with the goal of informing the reader, but with the goal of boosting the site's search engine ranking, or getting the reader to scroll past adverts while reading the page. "No you don't need to tell your insurer" would fail to achieve either goal - it's to short for SEO and you can't squeeze many adverts into that little text. 

In any event whether your charger is covered by your home insurance (like any other improvement to your house, it is covered unless the policy explicitly excludes it) is a completely different question to whether you have to tell your home insurer about your car so they can factor it into your premium. As a consumer you do not have to guess at what risks an insurer might want to know about; you only have to answer the questions that they actually ask you. This is a very well established principle in insurance law, and not even slightly controversial.

Have you got a milk float then?