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Jun 14th, 2026
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Joined: Jul 2007
Posts: 27,812 Likes: 749
Member of the Inner Circle
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OP
Member of the Inner Circle
Joined: Jul 2007
Posts: 27,812 Likes: 749 |
Today Billy the engnieer from Octopus is fitting our home charging point for my MG. I have seen on some EV forums concerns over the new BSI proposed best practice guide for batteries installed at home PAS 63100:2024 Some saying your house insurance isn't valid etc etc. Others the batteries have to be put outside.  Based on this I chatted with my home insurance today to warn them I would charge my EV inside my garage & to double check they knew I had solar PV & batteries. Their feedback was:- "Charging points and solar panel's with batteries are all things we automatically cover. We don't need to specify them on your home insurance policy as they are covered under our policy terms for you." This is with Privilige Ins. Of course other insurers might be different but I thought as a few of us on here have pv batteries & EVs this might help.
JohnV6
2022 CX Plus Four
2025 Renault Scenic Alpine etech "Yvette"
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Joined: Aug 2010
Posts: 5,465 Likes: 171
Charter Member
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Charter Member
Joined: Aug 2010
Posts: 5,465 Likes: 171 |
Very useful thanks. I still plan to phone Saga when our solar panels and batteries are installed in May.
Paul
Costock, UK
Plus Four 75th - Furka Rouge - Pip
Disco 5
Teddy - 17h1 Irish Draught cross
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Joined: Jul 2007
Posts: 27,812 Likes: 749
Member of the Inner Circle
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OP
Member of the Inner Circle
Joined: Jul 2007
Posts: 27,812 Likes: 749 |
I would recommend you do. Insurance companies are slimy folk & will look for any excuse not to pay.
JohnV6
2022 CX Plus Four
2025 Renault Scenic Alpine etech "Yvette"
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Joined: Apr 2008
Posts: 12,257 Likes: 317
Scruffy Oik Member of the Inner Circle
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Scruffy Oik Member of the Inner Circle
Joined: Apr 2008
Posts: 12,257 Likes: 317 |
Insurance companies are slimy folk & will look for any excuse not to pay. The cheapskates, certainly, but a decent insurance company will have no problem insuring EVs, indoor charging, or indoor storage batteries. We're with NFU and they are absolutely fine about it.
Tim H.
1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE
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Joined: Jul 2007
Posts: 27,812 Likes: 749
Member of the Inner Circle
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OP
Member of the Inner Circle
Joined: Jul 2007
Posts: 27,812 Likes: 749 |
I may be a sceptic as I've been shafted by them before.
Castle told us we had cover for miscellaneous bicycles so didn't need to define them. When one was nicked we couldn't claim as we hadn't defined it in the policy.
My defined value ins on my Roadster didn't pay out as the person at faults insurers ensured it got "repaired" at just below write off despite a bent chassis that wasn't repaired.
So whilst I agree I beleive in belt and braces now.
JohnV6
2022 CX Plus Four
2025 Renault Scenic Alpine etech "Yvette"
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Joined: Aug 2020
Posts: 3,851 Likes: 400
Talk Morgan Addict
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Talk Morgan Addict
Joined: Aug 2020
Posts: 3,851 Likes: 400 |
Anything to do with insurance always put in writing and ask for them to confirm acceptance of any changes/ receipt, so they are aware of any changes to the risks in the policy. We notify our insurers of any major works being performed at the house. as it changes the risk profile. This week we are having the entire house scaffolded, for roof repairs, pointing our 6 chimneys and replace cast iron guttering and fascia boards etc
. Its always worth quantifying with your insurers what your insurance actually covers in areas where work is being undertaken eg we have very expensive Westmoreland slate roof and with scaffolding going up all round, for how long is weather dependant, so there is a possibility although quite remote that our roof tiles and lead section of the roof could be stolen. You might be quite surprised by the answer you get back and how conditional it may be.
I always get copies of the contractor's public liability insurance and request them to do a H&S assessment.
22 Plus Four KIMI
12 Plus 4 Sport OZZY
08 Roadster FELIX
06 4/4 70th LOKI
77 4/4 SEAMUS
85 4/4 MOLLY
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Joined: Aug 2011
Posts: 7,553 Likes: 88
Talk Morgan Guru
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Talk Morgan Guru
Joined: Aug 2011
Posts: 7,553 Likes: 88 |
Anything to do with insurance always put in writing and ask for them to confirm acceptance of any changes/ receipt, so they are aware of any changes to the risks in the policy. We notify our insurers of any major works being performed at the house. as it changes the risk profile. This week we are having the entire house scaffolded, for roof repairs, pointing our 6 chimneys and replace cast iron guttering and fascia boards etc
. Its always worth quantifying with your insurers what your insurance actually covers in areas where work is being undertaken eg we have very expensive Westmoreland slate roof and with scaffolding going up all round, for how long is weather dependant, so there is a possibility although quite remote that our roof tiles and lead section of the roof could be stolen. You might be quite surprised by the answer you get back and how conditional it may be.
I always get copies of the contractor's public liability insurance and request them to do a H&S assessment. Totally agree regarding keeping insurance companies advised. I gave my daughter the advice to buy quality insurance, rather than the cheapest. This certainly paid dividends, when her cottage suffered flood damage, last November. No issues with the claim (cottage had no history of flooding). ps I love the reference to your six chimneys. Reminds me of a dear friend from Norfolk who remarked that “Mummy and Daddy’s house is quite small” My answer was “Alison, your Mum and Dad’s house has three staircases. Trust me, it’s not small”’ Bud 4/4 - Stanley
Bud
4/4 "Stanley"
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Joined: Aug 2020
Posts: 3,851 Likes: 400
Talk Morgan Addict
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Talk Morgan Addict
Joined: Aug 2020
Posts: 3,851 Likes: 400 |
Anything to do with insurance always put in writing and ask for them to confirm acceptance of any changes/ receipt, so they are aware of any changes to the risks in the policy. We notify our insurers of any major works being performed at the house. as it changes the risk profile. This week we are having the entire house scaffolded, for roof repairs, pointing our 6 chimneys and replace cast iron guttering and fascia boards etc
. Its always worth quantifying with your insurers what your insurance actually covers in areas where work is being undertaken eg we have very expensive Westmoreland slate roof and with scaffolding going up all round, for how long is weather dependant, so there is a possibility although quite remote that our roof tiles and lead section of the roof could be stolen. You might be quite surprised by the answer you get back and how conditional it may be.
I always get copies of the contractor's public liability insurance and request them to do a H&S assessment. Totally agree regarding keeping insurance companies advised. I gave my daughter the advice to buy quality insurance, rather than the cheapest. This certainly paid dividends, when her cottage suffered flood damage, last November. No issues with the claim (cottage had no history of flooding). ps I love the reference to your six chimneys. Reminds me of a dear friend from Norfolk who remarked that “Mummy and Daddy’s house is quite small” My answer was “Alison, your Mum and Dad’s house has three staircases. Trust me, it’s not small”’ Bud 4/4 - Stanley Six chimneys but only 2 staircases, the second staircase for the servants quarters
Last edited by JohnHarris; 19/02/25 07:27 PM.
22 Plus Four KIMI
12 Plus 4 Sport OZZY
08 Roadster FELIX
06 4/4 70th LOKI
77 4/4 SEAMUS
85 4/4 MOLLY
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