If I am charging my car at home, do I claim on my home or car insurance?

19/06/2024

If you own an EV, it means you may be charging it at your home.

People can get confused about whether to claim under their car or home insurance if a fire happens. It all depends on where the fire starts.

If home electrical wiring caused it, then it may be claimed under home insurance. If an EV fault caused it, then it may be claimed under car insurance. It may take some time to establish where the fault occurred and evidence will be required to claim on either policy.

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Fees included if cancelled	Before policy starts	Within 14 days of policy starting	After 14 days of policy starting
Cancellation fee	£25.00	£35.00	£75.00
Broker fee	None	Pro-rata	No Refund
Number of days on cover	None	Pro-rata	Pro-rata amount
Direct debit set up fee (If DD has been collected)	None	£45.00	£50.00
Full premium of any add-ons on policy exclusing RAC^**	None	None (Unless a claim has been made)	No Refund^**

Fees included if cancelled

None

£45.00

£50.00

None

None (Unless a claim has been made)

No Refund^**

Cancellation fee	£25.00

Cancellation fee	£35.00
Broker fee	Pro-rata amount
Number of days on cover	Pro-rata amount
Direct debit set up fee (If DD has been collected)	£45.00
Full premium of any add-ons on policy excluding RAC^**	None (unless a claim has been made)

£35.00

Pro-rata amount

£45.00

None (unless a claim has been made)

Cancellation fee	£75.00
Broker fee	No Refund
Number of days on cover	£50.00
Direct debit set up fee (If DD has been collected)	No Refund^**
Full premium of any add-ons on policy excluding RAC^**	None (unless a claim has been made)

£75.00

No Refund

£50.00

No Refund^**

None (unless a claim has been made)

What can I do?	Car	Van	Bike	Home
View your policy documents
Upload documents to validate your policy
Report a claim
Make changes like adding a driver, changing address, or upgrading cover*

Car
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Bike
Home

Car
Van
Bike
Home

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Important information

Cancellation fees explained. Please read the following information before proceeding.

Before policy starts

Within 14 days of policy starting

After 14 days of policy starting