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Discussion Starter · #1 ·
I've just been on the phone to my insurance provider to be told that they cannot renew the policy on my vehicle this year. They can't say why, just there's a problem providing insurance on this vehicle particularly. Anyone else had this issue?

It's 20 plate Elite Nav, Aviva are the ones saying they can't insure.
 

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2014 Model S
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@nlittley

Weird! That is a bit worrying if that is the case but I hope to have mine gone before renewal...

Direct Line are Tesla friendly so I'd hope they'd be another make of EV friendly. I'd try them.

Are there any outstanding recalls on yours? The airbag issue might have caused some bother as that affected a lot of Corsas.
 

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GOLF GTE PHEV
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My broker (Adrian Flux) had to find another insurer when I changed my Honda CRZ Hybrid as it's insurer did not insure EVs, so it's not unusual for you to have to find another.
So now I'm with Highway, part of LV.
 

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Discussion Starter · #4 ·
Yeah it’s most odd cos they’ve been quite happy to insure it for the last 14 months

the chap on the phone said they have had issues with a number of hybrids and EVs recently due to “concerns about the batteries” but I’ve heard nothing like that about our cars. All it’s recalls and updates and whatnot are all sorted now. Anyway I’ve got a quote from admiral instead who will do it for £400less anyway so no major loss moving away from aviva!
Best wishes
Nathan
 

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When I was shopping around for insurance for the Ioniq, I found some insurance companies wouldn't even quote for it. When I asked one of them why, they said it was because of the high cost of replacement parts compared to ICE cars. I have no idea whether that's true.
 

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I think a lot of them got stung for undeclared lease batteries.
 

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I've just been on the phone to my insurance provider to be told that they cannot renew the policy on my vehicle this year. They can't say why, just there's a problem providing insurance on this vehicle particularly. Anyone else had this issue?

It's 20 plate Elite Nav, Aviva are the ones saying they can't insure.
same company Aviva did the same to me, same car 20 plate Nav Elite, told me they had made a mistake last year, told me the EV cars cost a fortune to repair after a accident, they wanted nearly double this year to insure, went to LV= £176.13p. fully comp, that price is cheaper than I paid last year`s with Aviva.
 

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I'm with Aviva, just had my renewal it went up more than I thought it should but still fairly competitive.
Still paying only very slightly more than I did on my previous 15 year old 1.8litre petrol hatchback, so don't think EVs are necessarily any more expensive to insure.
 

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Kia e-Niro 4 MY20, Zoe Z.E.50 GT Line
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Aviva have only ever provided comedy quotes for me… don’t know why but they seem to have a very broad “don’t touch that with a barge pole” brush. Another recommendation for LV.
 

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Cheapest for me has always been Aviva and the sister company quote me happy. I actually had to leave RIAS as they wouldn't insure the Leaf, Aviva would and came out the cheapest. LV is expensive for me.

Insurance companies do things for particular reasons, if they don't give you a good quote it may be not you. It could be the current range of customers they have, they may need to alter the risk or funds it holds.
 

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Kia e-Niro 4 MY20, Zoe Z.E.50 GT Line
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They also, simply, make mistakes. I ended up in quite an argument trying to insure a Yaris with Privilege. They had the wrong BHP figure for the car, I stated this and it resulted in refusal to insure because the car was "non-standard". It was a proper computer says no moment, the car they were initially prepared to insure doesn't exist. I had issues with Aviva for home insurance some years ago when they announced they wouldn't cover any more due to flood risk. We live in a village that had flooded quite badly the previous year, but only a very small part of the village was actually affected. By the time we're under water most of the world's major cities are too. So yes, they do things for reasons but those reasons are sometimes stupid. The frustrating thing is you can't find out what those reasons are or discuss them. Just walk and find someone else.
 

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When I changed from a Prius to a Prius PHEV my insurer at the time refused to cover it. No idea why, just a point blank "we are not able to insure this vehicle". I was a bit taken aback, as I'd never encountered anything like this before, and the Prius PHEV is close to being identical to the normal Prius, in terms of performance. Did me a favour, though, as I switched to LV, and they insured it for a lower premium than I'd been paying for the normal Prius. I can't say I really understand how insurance works, it often seems to be a bit murky.
 

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Like many financial products it's literally just gambling. They have to control the odds and make sweeping decisions that often don't make any sense at all. As @meangreen says there'll be a reason, there always is, but my experience is the brush is far too broad. Anybody but the specialists isn't interested in nuance though.
 

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They also, simply, make mistakes. I ended up in quite an argument trying to insure a Yaris with Privilege. They had the wrong BHP figure for the car, I stated this and it resulted in refusal to insure because the car was "non-standard". It was a proper computer says no moment, the car they were initially prepared to insure doesn't exist. I had issues with Aviva for home insurance some years ago when they announced they wouldn't cover any more due to flood risk. We live in a village that had flooded quite badly the previous year, but only a very small part of the village was actually affected. By the time we're under water most of the world's major cities are too. So yes, they do things for reasons but those reasons are sometimes stupid. The frustrating thing is you can't find out what those reasons are or discuss them. Just walk and find someone else.
Some folk we know who live in a house that backs on to ours had been trying to sell their house for a while recently, they then had an offer they accepted and all was going well until the buyers did the reports etc and it came back as being in a flood risk area so they pulled out. Annoying anyway but more so bearing in mind its based on the fact that its because of a small stream that our houses are within 100yds or so and its about 6ft/8ft lower than the houses due to the steep banks etc. We've been there years and even when we've had rain galore its never got close to bursting the banks. If there was enough rain to the point it would come up high enough to cause problems i suspect there would be bigger issues first.
 

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Some folk we know who live in a house that backs on to ours had been trying to sell their house for a while recently, they then had an offer they accepted and all was going well until the buyers did the reports etc and it came back as being in a flood risk area so they pulled out. Annoying anyway but more so bearing in mind its based on the fact that its because of a small stream that our houses are within 100yds or so and its about 6ft/8ft lower than the houses due to the steep banks etc. We've been there years and even when we've had rain galore its never got close to bursting the banks. If there was enough rain to the point it would come up high enough to cause problems i suspect there would be bigger issues first.

Insurers go OTT about flood risk, partly because the EA flood risk map is simply dreadful. We have a stream along one side of our land, that has flooded the lane a couple of times. The EA required us to build our house at least a metre above the 1 in 100 year flood risk area as shown on their very crude model. I had a topographical survey done, and then spent hours looking at how the water level might impact our land in the event of a flood. It turned out that in a 1 in 1000 year event (much worse than a 1 in 100 year event) the water would just reach the end of our drive, and not go over our land at all. I contacted the EA to try and get clarification as to how they had determined the flood risk boundaries. They were surprisingly helpful, but did say they didn't have funding to do it accurately, so had used students to estimate levels based on the average height of 100m grid squares . . .

A neighbour, further up the valley and with the stream running through their land, with a large pond, had an even crazier time with the EA when he wanted to build an extension. He didn't have the time to do as I did, so employed a hydrologist to do a proper flood risk assessment. Cost him around £4,500, but did prove that his house and where he wanted to put his extension was well above the 1 in 100 year level that the EA and insurers seem so concerned about.
 
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