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


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.