Insurance, heads up

All Honda E related discussions
captainzep
Posts: 11
Joined: Mon Sep 13, 2021 7:27 pm

Post by captainzep »

Our E Advance arrived today. Didn’t think too much about insurance and went to add it to our existing Aviva multi-car policy online. 3 attempts to do this on the website and two phone calls later, Aviva refuse to insure the E on multi-car even though they’ll quote you on a new policy via comparison sites. -Weird. Tried to get them to explain why and they it’s a risk-rating decision to do with the car. Apparently they’ve done this with some other EVs. We’ve had to go with another company with a standalone policy for the time being.

Maybe something to be aware of come renewal time if you’re with Aviva…

Jan44
Posts: 17
Joined: Tue Jul 13, 2021 8:01 pm

Post by Jan44 »

Yes - The insurance angle was a surprise to me too. I've always had my insurance via an insurance broker who uses underwriters. They couldnt get a sensible quote at all and said it was due to lack of statistics on claims involving a Honda E.

They suggested I look at an insurance comparison site and I found that Churchill gave me a very good quote.
FMIB
Posts: 135
Joined: Mon Aug 23, 2021 4:11 pm

Post by FMIB »

Weird, I am on an Aviva multiyear policy and simply switched from the car I was trading in to the Honda e.
No change in the overall policy cost.
Joolsdc
Posts: 550
Joined: Fri Jan 31, 2020 3:39 pm
Location: Worcestershire

Post by Joolsdc »

I’m 57 living in rural Worcestershire. Garaged, Fully comp, with class one business use, 8000 miles and protected NCB = £220 with £150 xs. I took the Institute of Advanced Motoring test and have been a member of 13 years. Which helps. So thru IAM Surety.
I found the e same price as my Mini JCW.

There will come a point when insurance companies realise BEVs are no higher risk than ICE. Until then use comparison sites to get the best deal.
captainzep
Posts: 11
Joined: Mon Sep 13, 2021 7:27 pm

Post by captainzep »

Yeah, I didn’t find it expensive to insure ultimately (we’re boring 40-something non-criminals living in a low crime area) but I was just shocked that Aviva just turned the E down.

They said:

“ Unfortunately I can confirm that we're unable to cover this vehicle - our underwriting criteria means that we've declined cover and this is not something that we can change. I'm really sorry about this, I know it isn't ideal.”
captainzep
Posts: 11
Joined: Mon Sep 13, 2021 7:27 pm

Post by captainzep »

I should add they’re perfectly happy to insure us on a 400bhp XC90 costing more than double the E…
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advance2020
Posts: 475
Joined: Tue Aug 11, 2020 6:21 am
Location: SW Wiltshire
Contact:

Post by advance2020 »

Had no problem insuring my e with Direct Line. The initial premium for 2020 was very reasonable, although it increased this year.
Platinum White Pearl: e-driving green at last, on R17 Michelin Pilot Sport
AVG economy and Predicted Mileage has increased lately, not sure why.
Onthecharge
Posts: 26
Joined: Sun Aug 15, 2021 7:51 pm

Post by Onthecharge »

LV= Happy to insure me 76 years young Living in Somerset £228.60 + Vw Move UP £166.43 Platinum White Pearl Advance on R17 Michelin Sport Can't believe it's so good to drive makes me smile to think I'm driving around a battery with 4 wheels on it !
milligoon
Posts: 691
Joined: Sat Aug 15, 2020 11:22 pm

Post by milligoon »

Weird we are on Aviva multi car policy on the e, no issues at all, have they just changed their policy I wonder?
Ex e owner
Terry R
Posts: 16
Joined: Thu Nov 18, 2021 8:35 pm

Post by Terry R »

I notice car insurances have fallen into line and they do not appear to take into account risk.

With my car soon to arrive are there any preferred / recommended insurance companies I should get quotes from?
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