LV insurance policies for electric vehicles include flatbed recovery to the nearest charger without counting it as a claim. So I bought the policy (which was competitive anyway) but have not tried it out, of course.When I purchased my two month old 2015 X Demo GTE it came with three years AA breakdown cover, plus because it was sold as Das Welt Auto car it also came with a twelve months cover !.
The dealer told me you are now covered for four years !.
I doubted this, but rang the AA a few weeks later and yes, I was covered for four years !.
I never argued the fact, just thank them and hung up !.
I have no idea how that came about, but three years is the common level of cover.
Word of caution on manufactures supplying break down cover for free !.
Check the LEVEL of cover you are getting very carefully is my advice.
Some only provide “Road Side Assistance” as standard.
This is the cheapest and most basic type of cover, it will not provide flat bed recovery or onward journey cover or attending a problem at your home address !.
So if your 12 volt battery dies, they will not attend at home.
Also, you have to break down more than a quarter of a mile from your home address as well !.
Some will not attend a puncture unless you have a suitable spare wheel for them to switch out, when they arrive.
Like most things in life, you never know just how good or bad they are until you try to use them.
My EV came with so called “Free” break down cover with the A.A. and is renewed every year for “Free” when I offer the car up for service at the main agents.
But the cover is extremely basic and really not worth a great deal.
I have added a high level of cover through my car insurance under a “Deal”.
Not cheap, but hopefully better than the basic cover.
My extensive break down cover is almost as expensive as my car insurance at my age !.
Check what and what not, you are covered for folks !.
No good when you are stuck on the side of the road, with an agent from the break down company wanting you to pay for an expensive upgrade at the side of the road before he / she will send somebody out !.
Hi Tom - I was with LV for my EV cover last year.LV insurance policies for electric vehicles include flatbed recovery to the nearest charger without counting it as a claim. So I bought the policy (which was competitive anyway) but have not tried it out, of course.
I think that you are right about not accepting anyone's renewal quote.Hi Tom - I was with LV for my EV cover last year.
The break down cover is supplied by "Britannia Rescue" group.
L.V. have very cleverly targeted the EV owners last year with this type of policy.
I found it a little difficult finding a good choice of EV cover last December for my EV.
My present company did not even show cover for the ZS EV at the time !.
The choice on the big on line search engines where a little limited as well.
When I received my renewal quote for L.V. this year I was a little shocked and both annoyed to say the least.
I had some type of crazy idea that due to the whole C19 situation and the general use of peoples cars, that the renewal would be the same or even cheaper in some respects ?.
I know a few insurance companies had been handing out either refunds or discounts on this year policy IF you renewed with the same company.
Not sadly in the case of L.V. - Oh no, instead they increased my premium by another £85.00 !!!!.
What a bloody check !.
A little unfair when you consider that last years premium was based / priced over covering twelve months of driving, well we all know how that ended.
There is NO WAY that the insurance companies have paid out the expected level of claims over the last twelve months surely ?.
L.V. even had the cheek to say that they would "Auto Renew" my policy unless I contacted them !.
I will not go into detail on how THAT conversation went over the phone, just to say I did not renew with them for this coming year !.
I find a lot of car insurance companies will do this now, offer you a reasonable deal for the first year, then hike your premium there after, regardless.
The new cover I found on a like - for - like basis, saved me £90.
This will also necessitate another move of insurance companies next year, I have no doubt what so ever.
Loyalty is never rewarded when it comes to insurance companies.
I am a firm believe that the "System's" that generates the renewal quotes, already have a built in percentage / value increase preset into the quotation year on year.
Move or pay the increase, is the name of the game I guess.
I was unable to rate the break down cover which L.V. provided, which I have to say I am really really happy with.
That was the problem I encountered !.Once I decided to get an ID3, I was staggered to discover that they would not insure it at all!
It was quite a pleasant surprise when I was told this when I asked LV to update the policy for the new car. I expect the recovery won't be free though!LV insurance policies for electric vehicles include flatbed recovery to the nearest charger without counting it as a claim. So I bought the policy (which was competitive anyway) but have not tried it out, of course.
Which is why I never automatically renew and get new quotes every year.Loyalty is never rewarded when it comes to insurance companies.
Indeed not !.It was quite a pleasant surprise when I was told this when I asked LV to update the policy for the new car. I expect the recovery won't be free though!
That is what I do every year and last year I got a comparison site quote from my current insurer that was lower than my renewal and when I called they matched it. I told them which site I used, they confirmed it and lowered my renewal.I use the comparison sites (Cheap Car Insurance has an excellent guide on which to use and in which order) to get an idea of cost and then use TopCashback.co.uk: The UK’s #1 Cashback & Vouchers Site (referral link) to check for cashback if I was to buy it through their site. Most years I get around £50 cashback so it's worth the few minutes it takes.