Increase in Anti-EV Media Articles

kanuseeme

https://www.boards.ie/discussion/comment/122084753#Comment_122084753

Some one made the point of "cheap insurance" in one of the Tesla threads, basically he was corrected by an owner, there was difficulty in getting insurance from some providers and others had increased their premiums, it was suggested that waiting weeks on parts from the Netherlands was not helping the situation.

McGiver

https://www.boards.ie/discussion/comment/122084753#Comment_122084753

I see no evidence of any increases.

Cyrus

https://www.boards.ie/discussion/comment/122084794#Comment_122084794

I would be very confident that if you took the average insurance paid by a tesla model 3 or y owner and compared it to an equivalent ice with similar bhp it would be lower.

there certainly hasnt been any postings from a large number of tesla owners complaining about premiums in Ireland thay I've seen, but maybe you found the one person affected, I wouldn't be surprised.

kanuseeme

https://www.boards.ie/discussion/comment/122084811#Comment_122084811

Several owners had problems getting insurance, I think its in this thread,

https://www.boards.ie/discussion/2058256644/tesla-model-3-and-model-y-waiting-room-and-delivery-queries-no-referral-links

probably around January or February.

Its similar to most things in forum, it does not affect me, therefore it never happens,

keep on rocking, queues, range , depreciation , leaf speed , freezing/sweating, cost of ownership , etc. etc.

Its all fud, if someone outside a few EVangelists say anything about it, forgotten about if the usual suspects mention it or its a benefit like this little gem I remember reading,

" Had to queue today for 20 minutes but its nice to talk to fellow EV drivers"

or this one.

" had a so nice charging experience just plugged in and got 120 kw, but the first 2 chargers I went to were broken"

LMFAO.

Flinty997

https://www.boards.ie/discussion/comment/122084406#Comment_122084406

It's a matter of corporate convenience. To the advantage of the company and disadvantage of the consumer. It's up to authorities to curb these anti consumer practices.

Insurance has been shown time and time again not to pass on savings to the consumer.

Flinty997

I don't think insurance premiums are based on fact more the whim of the insurance industry.

Flinty997

https://www.boards.ie/discussion/comment/122084897#Comment_122084897

I think antiEV side are guilty of the habit taking anecdotal stories over stats, for confirmation bias.

Considering the thread title.

Allinall

https://www.boards.ie/discussion/comment/122085144#Comment_122085144

Fairly sure you’d be mistaken there.

Premiums are based on statistics, which themselves are facts.

Flinty997

https://www.boards.ie/discussion/comment/122085190#Comment_122085190

If that was true premiums quotes wouldn't vary so enormously with the same company and same car same driver.

The inconsistency blows any argument is based on costs or such out of the water. Insurance industry been caught out on its own statistics too many times to be credible.

RoboRat

I was reading a blog post from an EV adopter. It was very balanced and highlighted the pros and cons they experienced. The pros mainly focused on the significant cost savings, but the anti-EV brigade got offended for some reason and started the usual nonsense about fires, the environment, battery mining, etc. The article never mentioned anything about environmental comparisons.

They're like the vegans of the motor world now, which is ironic as they see themselves as the opposite. They can't see a post about an EV and not comment. They see a post and get triggered….MUST POST SOMETHING! Nobody cares if you don't like EVs. Nobody cares about your BS stats and made-up nonsense. The irony is that when the first car was being developed, people said the same about cars and horses!

Clo-Clo

In terms of the anti EV stuff we see.

In terms of my office, which is small. I was just chatting the other day and someone else mentioned they had just bought a new EV, never owned electric before and was overjoyed with the saving etc so far.

Then another person also added to the conversation they had swapped a diesel for an electric, they had previously been hybrid but swapped their partners diesel for a new EV, the partner took the hybrid and they have the new car.

That's just 2 new owners in a small number of people, already a few with electric cars including myself.

All have said they have moved to electric for cost, easy of use, one had solar and the other planned on installing.

So goes to show, for all the EV noise about people are still able to look at the options and pick electric.

https://www.boards.ie/discussion/comment/122085190#Comment_122085190

Premiums are based on what the insurance companies think they can get away with, I have yet to see a renewal in all my years of driving that after a few calls I can get reduced and as soon as I ring my current insurance company they have no issue with dropping the price

If it was based on statistics the price would be the price,

Allinall

https://www.boards.ie/discussion/comment/122086086#Comment_122086086

It is based on statistics, using algorithms.

When you phone up, it is only at that stage that any human has an imput into the premium amount.

Clo-Clo

https://www.boards.ie/discussion/comment/122086113#Comment_122086113

If that was the case then the algorithms, unless preset, would give the actual price. So a human putting in the same data would get the same price.

You can't say it is based on statistics if the price is variable so much

If it was the case then calling in wouldn't make any difference, when I call I give them my account number, that's it…I don't change any of the details they already have and they can change the price

Allinall

https://www.boards.ie/discussion/comment/122086121#Comment_122086121

The algorithm does give the actual price.

When you get your renewal, there is zero human imput into the figure,

The person on the phone has a given leeway to adjust the premium, depending on a number of factors.

Clo-Clo

https://www.boards.ie/discussion/comment/122086127#Comment_122086127

The original post you responded to was the prices are based on the whim of the insurance company, you just confirmed that

I have called up without ringing anyone else and fired out a price they have matched, or got very close to it

Plus the margin is never the same, if you could even say they add on 20% till a call that might make sense, but it seems to range in all sorts of margin added onto the quote, pure whim

Cyrus

….

Cyrus

https://www.boards.ie/discussion/comment/122084897#Comment_122084897

did they get insurance or did they not? You only need one insurer last time I checked. As for the rest of your post lmao indeed.

Your posts are it never happened to me but I'll tell you all about how bad owning an ev is.

Did an EV bully you at school or something?

Flinty997

https://www.boards.ie/discussion/comment/122086113#Comment_122086113

Some algorithm

"… There has been a sharp fall in the number and the value of claims paid out by the State’s Personal Injuries Assessment Board.But despite the 16-year low in the value of claims paid out last year motor insurance premiums rose in the last year, according to separate Central Statistics Office figures..."

Allinall

https://www.boards.ie/discussion/comment/122086731#Comment_122086731

what did it say about the level and value of claims over the past five years, and the estimated value of claims over the next five?

Because that is what your current premium is covering.

It’s not surprising, but most people haven’t a clue how insurance works.

Clo-Clo

https://www.boards.ie/discussion/comment/122086740#Comment_122086740

Including you 😂

Flinty997

https://www.boards.ie/discussion/comment/122086740#Comment_122086740

I dunno what algorithms, you've written but the one's I write don't vary by 1000% with the same parameters.

Imagine ordering a coffee and every time you ask for the same thing you get a insanely different price.

But yeah its because I don't understand how insurance works lol.

RoboRat

https://www.boards.ie/discussion/comment/122086740#Comment_122086740

Well, that's not really correct. Insurance premiums are based on risk, the market, government policy, and profitability.

Risk uses the algorithm by analysing the likelihood of making a claim using your past performance, your experience, your excess, and the general risk statistics.

The market relates to the overall insurance market because insurance companies leverage profits from one market to cover losses from others. It also must offer somewhat competitive quotes, so analysing what the competition offers is vital.

Government policy includes taxes, levies, and initiatives such as community lifetime rating. It can also affect the premium if the government starts putting the squeeze on the insurers to lower premiums.

Profitability… Like casinos, the house never loses. Insurance companies are purely focused on squeezing as much profit as they can. If one sector is losing money, they cover the losses from other sectors. If the risk is not worth the return, they pull out or offer outrageous quotes.

There are other factors, but they're just the main factors IMO.

kanuseeme

https://www.boards.ie/discussion/comment/122086602#Comment_122086602

It starts around here and goes on for the next few pages about insurance,

https://www.boards.ie/discussion/2057961328/tesla-model-y

Of course it will never happened to me, I can read everyone's posts here and apply them to my own needs.

Nice that you mentioned EV bully, have you got a club or something?

I would suggest instead of shadowing me, go help this guy,

https://www.boards.ie/discussion/2058349823/dublin-airport

It was one of my primary reasons not to go EV, obviously he listen to the usually guff and now has to figure out what to do.

Some really helpful suggestions, like drive 50 km out of the way to a charger, or slow down,

Hotblack Desiato

What's it to you? Nobody is making you buy an EV.

Cyrus

https://www.boards.ie/discussion/comment/122088902#Comment_122088902

Yes and if you read it its a mix of people struggling to get an initial quote (and then ultimately getting sorted) and people saying they couldnt insure a fiesta any cheaper. Whats your point again?

As for shadowing you thats the kettle calling the pot black, i see you thanking any post that disagrees with me, your obsession is odd, i only engage with you when you post nonsense (more than id like then)

Finally the obvious answer to the poster that needs help is to charge on the way to the airport so the car is near full when he gets back, even you could have figured that out surely? You can go post that as a response be helpful for a change.

prawnsambo

https://www.boards.ie/discussion/comment/122088902#Comment_122088902

Some really helpful suggestions, like drive 50 km out of the way to a charger, or slow down.

Nobody suggested driving 50km out of the way. They suggested stopping 50km from the airport to top up. In Enfield. And it's not the worst suggestion either. You're catching the charge curve at its highest and can do the same on the way home. That way you minimise the time charging. And dropping your speed by 10kph costs you ten minutes. Not exactly significant.

Flinty997

The insurance renewal on my ICE and EV came in recently and they are on par with each other. Like within 5-8% of each other. They are relatively similar in terms of performance. But very different in age and value.

Flinty997

https://www.boards.ie/discussion/comment/122089068#Comment_122089068

The issue is you're trying to explain to someone with no experience of an EV or charging that you do it differently than an ICE. They are just going to keep arguing with you because they don't understand.

The idea of topping up in the fast part of the battery or driving to suit the Journey or topping up on both legs rather than 0-100% they can't get their head around. They don't want to understand either.

prawnsambo

https://www.boards.ie/discussion/comment/122089142#Comment_122089142

They're missing all the fun though. Best part of owning an EV is the planning bit.

Bobson Dugnutt

It just seems like we are in the old disillusionment phase. The lads who are naturally early adopters have bought them. The geeks, the tinkerers, the Musk fanboys.

The reality is though that John and Mary aren’t quite as sold on the idea. The range anxiety is still real, the stories about leaving it at the airport and going away on holiday, battery degradation, higher insurance, terrible resale values, patchy charging infrastructure, multiple apps, different types of charging cables, cold vs warm weather range, price of the cars, PHEV vs EV etc etc.

Some of it might be nonsense, but if someone is splashing down 40k plus on a car then they want as hassle free an experience as possible. They know they well get that with a petrol Toyota. They aren’t convinced with EV yet. I think a lot of the articles seen as being anti-EV are simply stating the above. I do think they have a part to play, but like NFTs etc the hype and hysteria phase is over.