Battery · charging · fire risk
Electric vehicles: the battery, charging and fire risk
The insurance obligation is the same. What is different lies in the battery and in how you charge.
Deze pagina in het Nederlands: Elektrische voertuigen: accu, laden en brandrisico.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
The battery is the largest item
In an electric car the battery represents a considerable part of the value. When there is damage, the question is whether it is paid at replacement value as new or market value or not.
Even after light damage a battery pack may have to be replaced because its safety can no longer be guaranteed; that makes a write-off more likely.
Loss of capacity through ageing is wear and tear and is not covered anywhere.
Charging
With charging at home the installation is decisive. A charging point should be installed by an approved installer and increases the rebuild value of your home; report it to your buildings insurer.
Charging from an ordinary socket with an extension lead is a well-known cause of fire and can affect your cover.
Fire risk
A battery fire is difficult to extinguish and can reignite. Some car parks therefore restrict access for electric vehicles.
With storage in a garage underneath a home, insurers sometimes set additional requirements.
What you arrange
Report the charging point to your home insurer and ask your motor insurer how the battery is valued in the event of damage. In a total loss that difference amounts to thousands of euros.
Frequently asked questions
The questions we are asked most often about this.
Is the battery covered?
Yes, as part of the vehicle; ask whether that is at replacement value as new or market value.
Is loss of capacity covered?
No; that is wear and tear.
Do I have to report a charging point?
Yes; it increases the rebuild value and changes the fire risk.
May I charge from a socket?
That is a well-known cause of fire and can affect your cover; use a proper charging installation.
Why is a write-off more likely?
Because a damaged battery pack often has to be replaced in full.
Do any rules apply to car parks?
Some restrict access; extra requirements sometimes apply where a vehicle is parked underneath a home.
What is covered and what is not
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You drive into someone else's charging point | Yes | Yes |
| A fire during charging spreads to the neighbours' garage door | Yes | Yes |
| The battery pack is damaged in a collision you cause yourself | No | Yes |
| The car is written off because the battery is no longer safe after light damage | No | Yes |
| The charging cable is taken while the car is at a public charging point | No | Provided that |
| The range falls noticeably after four years | No | No |
The charging point on your wall falls under neither column; it belongs with your buildings insurance (opstalverzekering) or home contents insurance (inboedelverzekering).