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A clear guide to EV insurance extras—and which to skip
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Sticker shock doesn’t just happen on the forecourt—it shows up in the extras you’re offered at the last minute. We unpack the maze of car insurance add‑ons for electric vehicles and sort the meaningful protections from the padded upsells, bringing real‑world context to GAP options, extended warranties, and why windscreens with sensors can turn a “simple” crack into a budget‑busting repair. Along the way, we share the three questions that cut through the noise so you can buy with confidence.
You’ll hear how depreciation and finance terms change the case for GAP, what a good EV warranty must cover (power electronics, onboard charging, BMS and labour rates), and how breakdown policies treat running out of charge, recurring 12‑volt issues and distance limits to EV‑competent garages. We weigh the maths on alloy and tyre insurance for heavier, high‑torque EVs, compare SMART repair cover to paying per fix, and reveal the costly traps around glass claims—recalibration, excess hikes, and lease return rules that reject “legal” chip repairs within the wiper sweep.
We also dive into paint and interior protection versus independent detailers and DIY ceramics, key protection overlaps with home or breakdown insurance, and the fine print on excess protection, legal expenses, personal accident, and European travel cover. Then we zoom into EV‑specific products: home charger insurance and installation disclosure, cable theft and trip‑hazard liability, early‑lease safeguards, and when a service pack beats pay‑as‑you‑go for software checks, brake inspections and battery coolant. To cap it off, we flag the higher Insurance Premium Tax often applied to dealer‑sold add‑ons so you can compare direct alternatives on a true like‑for‑like basis.
If you’re buying or leasing an EV soon, this guide helps you spend where it matters and skip what doesn’t. Subscribe, share with a friend who’s car‑shopping, and leave a quick review telling us the one add‑on you’d keep—and the one you’d drop.
To buy a copy of Electric Cars - The Truth Revealed visit grahamhilltraining.com. Buy the current copy and receive the totally updated version in early 2026. If you are interested in sponsoring this podcast or would be interested in working together please visit grahamhilltraining.com/contact
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By Graham HillSend us a text
Sticker shock doesn’t just happen on the forecourt—it shows up in the extras you’re offered at the last minute. We unpack the maze of car insurance add‑ons for electric vehicles and sort the meaningful protections from the padded upsells, bringing real‑world context to GAP options, extended warranties, and why windscreens with sensors can turn a “simple” crack into a budget‑busting repair. Along the way, we share the three questions that cut through the noise so you can buy with confidence.
You’ll hear how depreciation and finance terms change the case for GAP, what a good EV warranty must cover (power electronics, onboard charging, BMS and labour rates), and how breakdown policies treat running out of charge, recurring 12‑volt issues and distance limits to EV‑competent garages. We weigh the maths on alloy and tyre insurance for heavier, high‑torque EVs, compare SMART repair cover to paying per fix, and reveal the costly traps around glass claims—recalibration, excess hikes, and lease return rules that reject “legal” chip repairs within the wiper sweep.
We also dive into paint and interior protection versus independent detailers and DIY ceramics, key protection overlaps with home or breakdown insurance, and the fine print on excess protection, legal expenses, personal accident, and European travel cover. Then we zoom into EV‑specific products: home charger insurance and installation disclosure, cable theft and trip‑hazard liability, early‑lease safeguards, and when a service pack beats pay‑as‑you‑go for software checks, brake inspections and battery coolant. To cap it off, we flag the higher Insurance Premium Tax often applied to dealer‑sold add‑ons so you can compare direct alternatives on a true like‑for‑like basis.
If you’re buying or leasing an EV soon, this guide helps you spend where it matters and skip what doesn’t. Subscribe, share with a friend who’s car‑shopping, and leave a quick review telling us the one add‑on you’d keep—and the one you’d drop.
To buy a copy of Electric Cars - The Truth Revealed visit grahamhilltraining.com. Buy the current copy and receive the totally updated version in early 2026. If you are interested in sponsoring this podcast or would be interested in working together please visit grahamhilltraining.com/contact