Tesla Talk

My insurance is up next month and I am seeing some serious anti-Tesla bias from insurers. I tried to get quotes from several insurers/brokers to best my renewal on my 22 Model 3 which went from €475 to €600. No changes to my circumstances, other than I am a year older and the car is worth less. Here's what I was looking at for fully comp.

Aviva €600

123.ie €700

Chill.ie €955

AA €600

AnPost €695

Axa 955

Quote Devil €895

Supervalu €995

Kennco €935

Best Quote €935

And I got no quote messages from

Allianz, its4women, Liberty, AIG, Zurich, FBD, Bonkers, Liberty.

When I changed to my 2018 Leaf, everywhere quoted and they were about 20-30% less than the ones that quoted the Model 3.

I replicated the same issue with the Model Y and Model S. Very similar quotes to the Model 3 and no quotes from the same ones that gave no quote on the 3.

I then checked a BYD Seal and Mustang Mach-E and found no issue getting quotes, some of which were cheaper than the 2018 Leaf!!! WTF is going on here?

Allianz give the excuse that the Model 3 refusal is because of the power of the car, but they have no issue insuring far more powerful EVs despite the clear winning safety aspects of the Model 3/Y over the competition. I've heard of insurers being biased against Teslas before, but hadn't really experienced it. Only Allianz and Zurich wouldn't quote last year, with all others quoting.

Strangely enough my RWD M3 shows up as a Long Range model on half the sites. Can't fix it either.

EDIT: After all that, I just got a new quote from Aviva for the same price as last year. Lowered the excess to €125 which added another €20ish to the price. This time the correct RWD version showed up, where previously, only Long Range showed under the reg plate.

Who are you insured with? The last time I had companies refusing to quote was when I was rear ended 10 years ago and claimed through the other persons policy for same. The bolloxology logic they used at the time was that the other party could open a claim against me even though it was a clear no fault on my part. I had 4 years of high premiums because some cnut ran into the back of my car, writing it off and leaving me with a permanent back injury. Anything over 7 years they can't even search due to GDPR rules, so isn't relevant.

I'm your age. Wife is also insured with Aviva on the 2018 Leaf. No claims history to mention. 3 points for speeding which expire next March. I think the price I paid is reasonable which includes NCD protection and a lower excess.

The quotes were only problematic for the Teslas, hence my thinking there is a bias there. Clearly they don't like your Auris either 😂.

When they ask if you've been involved in accident in the last "x" number of years, they ask "regardless of blame". Lie to them and you could find your situation with insurance becomes a lifelong shafting. It's ridiculous, but if you are in an accident and it is crystal clear you are not at fault, they still use the open claim and the recent accident history against you. Moving to another insurer is possible, but is prohibitively expensive.

People choose not to tell insurers about open claims if the accident was not their fault, but they are effectively not insured. Sure, the insurer would have to pay out a third party claim, but they would come after you for the bill after unearthing the fact that the insurance was taken out under false declarations. It boiled my blood and no…I received no refunds after the claim was settled. I reckon the extra loading cost me in the region of 5k over the period. So whether you are at fault or not, the insurance companies win on both sides. It's a cartel.

there’s no “anti-Tesla bias from insurers”. Zero.

The cost of insurance claims for Tesla cars is high - so the premiums will match that higher cost of the book of business.

The reason the premiums are climbing now versus previous years is simply a result of more on the road, and more accident data.

It’s discussed here every few weeks. It’s honestly that simple.
Tesla’s are more expensive to repair, both for parts, labour, but also shortage of parts mean longer courtesy car rentals - and those rentals run about €1k/wk for a model Y size equivalent.

It’s called EAP on my 2018 MX.

pretty sure you are not meant to post screenshots from a private group into a public forum.

What goes on your stays on tour

totally.

People are far too myopic when it comes to things like this - we only see our own car and our own profile, and assume that the insurance company is looking at it the same way. Yes that’s a lot of the calculation, but also their costs of claims are spread across all premiums.

It’s more dumb than people think it is, and probably that’s why we say it makes no sense on an individual basis.

absolutely- but the point is that it’s a business decision based on either claims and/or risk due to unknowns.

It’s not an “anti-Tesla bias”. They don’t really care enough for it to be anti anything 😂

It takes a lot of pressure, media attention and Government committees for insurance companies to make any changes and even then, it's kicked down the road and is glacial in speed.

https://www.reddit.com/r/TeslaModel3/s/QlJqmAuwP6

Sounds like this guy is having an awful time with Tesla Dublin.

The Reddit poster has a problem with Tesla SC in Dublin.

I've had numerous, sometimes very expensive, stuff fixed in my previous Tesla under warranty, for free. Always got a loaner car (mostly better / more expensive than my own car) with free fuel and free tolls. Even when the car was almost 8 years old.

Unfortunately every man and his dog own a Tesla these days and the service center is simply not up to the work load any more, they need to expand. Growing pains. The supply chain of parts is a structural problem though, that has always been bad and there is no excuse for it

Oh and my over 7 year old current car is booked in to get all cameras upgraded to the latest tech ones. For free. What other car brand has ever offered anything like that?

Hardly digging anything up when it's posted on the r/evs_ireland page and it specifically happened in Ireland.

No expert on the Model X but MCU2 came in at some stage in 2018 on Model S. I expect it is same for Model X. But the older one you are looking at already has MCU2, so not an issue

Of course the 2017 will run out of battery / drivetrain warranty in a bit over a year and the 2018 has another year left after that

You might change your mind if you had to fork out for a couple of replacements.

im not saying its deliberate at all - im saying what you said - testa didn’t scale the service to match the sales, at all - but they aren’t going to rush to do that either, considering the pressure on margins and the SP

it’s not Elon. The S and X are old hat, the 3 and Y are “grand” and the cybertruck is daft. In two years the S and X will be gone, the 3 and Y will be old hat, and who knows the outcome. Even Mercedes only knocked about 10 years out of the w201 and w124 and that was a very different time.