I think its only a matter of time before insurers introduce policy restrictions on EV use, storage and charging.
If there is indeed a greater actuarial risk then I would think its inevitable, our Mini SE already costs (£600) nearly twice what the Land Rover or Morgan cost to insure (just over £300 each). It's a similar situation to Range Rover and Land Rover owners in some postcodes, where even JLR's own insurance company is either refusing cover or placing stupidly high premiums on owners.
https://www.autoexpress.co.uk/land-...ners-refused-insurance-due-to-theft-riskThis second article specifically mentions fire risk from RRs as an additional complication
https://www.keithmichaels.co.uk/news/its-not-you-its-your-range-rover/#:~:text=2.,headlines%20for%20the%20wrong%20reasons.
On the other hand, if an insurance company with poor actuarial capabilities reacts inappropriately by overloading EV premiums, they will quickly be forced out of the market by others with a more nuanced risk management strategy.
