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Beware the double insurance trap

  • gsuk17
  • Apr 16
  • 1 min read

Owners of electrical vehicles (EVs) are advised to check their motor and home insurance policies as they could fall into the double insurance trap.

An increasing number of motor insurers are providing cover for EV cables. While this is promising, it could cross over with your home insurance, leaving you in a double insurance trap if you need to make a claim. Some insurers state that they will not make a payout if cover is provided elsewhere, so it’s vital to read the small print of your policy wording and identify any grey areas. Also, about four in 10 products still do not clearly state if cover is provided for EV cables and charging points – if this is the case, you should confirm with your insurer.


As with all insurance policies, conditions and exclusions will apply.

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Dronfield Woodhouse,
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TNJ Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 987477.

Registered address: TNJ Mortgages Limited, 5 Burnaston Close, Dronfield Woodhouse, Dronfield, Derbyshire, United Kingdom, S18 8QU. Registered Company Number: 12932104 Registered in England & Wales

Your home may be repossessed if you do not keep up repayments on your mortgage. As with all insurance policies, conditions and exclusions will apply

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