Why You Should Declare Your Home Charger
A home EV charging point is typically a permanent, fitted installation, similar in principle to other home improvements. Insurers generally expect this to be declared, as it can affect your buildings sum insured and may have specific installation or electrical safety requirements relevant to cover.
What Might Be Covered
- Damage to the charging unit itself from an insured event, such as fire or storm
- Electrical faults arising from the installation, depending on your policy
- Theft of the charging unit, in some circumstances
- Liability if the charger causes damage or injury
Professional Installation Matters
Ensuring your charger is installed by a qualified, certified electrician is important both for safety and for insurance purposes. Some insurers may require evidence of compliant installation to provide or maintain cover relating to the charger.
Charger Cover vs Vehicle Cover
Your home charging point is generally a separate consideration from your car insurance, which covers the vehicle itself. Similarly, cables are sometimes treated differently again, see our EV Charging Cable Cover UK guide.
What to Do Before Installing a Charger
Frequently Asked Questions About Home EV Charger Insurance UK
Do I need to tell my home insurer about an EV charger?
Generally yes, as a fixed installation it can affect your buildings cover and should typically be declared to your insurer.
Does home insurance cover damage to my EV charger?
This depends on your specific policy, check whether damage from insured events, and potentially theft, is included.
Does the charger need professional installation for insurance purposes?
Professional, certified installation is important both for safety and because insurers may require evidence of this for cover to apply.
Is my charging cable covered under the same policy as my charger?
Not necessarily, cables are sometimes treated separately, so check both your home and car insurance for how each item is covered.
What happens if I don't declare my home charger?
This could affect a future claim relating to the charger or resulting damage, particularly if installation or certification requirements weren't met.
Conclusion
A home EV charging point is a valuable but sometimes overlooked addition when it comes to insurance. Declaring it to your home insurer, ensuring professional installation, and understanding exactly what's covered helps protect this investment properly.
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