Insuring a Tesla Model

Often it is, and the reason lies in the repair costs. The battery pack is expensive, the bodywork contains large cast sections and repairs take place at a limited number of approved firms. Against that, the market is now larger than it was a few years ago, so the differences between insurers can be considerable.

With own-damage cover it is, provided it results from an insured event such as a collision, fire or hitting an obstacle. Loss of capacity through ageing or intensive rapid charging is wear and falls outside every car policy. For that you depend on the manufacturer's warranty on the battery.

Not as a matter of course. Some policies name the charging cable expressly as an insured accessory, others do not, and for theft at a public charge point a limit often applies. Ask about this and have it put on the policy if necessary. A fixed charge point at the house belongs with your buildings insurance.

Only if you declare it and the insurer accepts it. Hiring out is an increase in risk and is excluded on most private policies. If a hirer has a claim and the hire had not been declared, the insurer can refuse payment and end the policy. Sharing platforms offer cover of their own for this.

The insurer pays according to the valuation scheme on your policy. Electric cars have had an erratic residual value in recent years, so under a market value scheme a residual debt can remain. Look at the duration of the replacement-value or purchase-price scheme before you compare on premium.

Not the cover, but it does affect the assessment of a claim. The systems are there to support and the driver remains responsible. If the data shows that you were not paying enough attention, that can count in establishing liability and in the question whether there was recklessness.