Car Fule

With the advent of the electric car and all the ecosystem that revolves around it, there are obviously several changes in the habits of motorists. And inevitably, it can also bring its share of unpleasant surprises.

If you are the owner of an electric car, you have certainly already recharged your car on a public terminal, even if, according to several studies, customers mostly charge their car at home. But this time, you have no choice, you have to recharge outside.

No luck, an incident occurs. You are back on the road while the charging cable was still connected to your car. Result ? The cable and your car are damaged. Most of the time this is simply impossible since the car cannot start if it detects that it is still plugged in. But if not, what happens?

Another example, surely more common than forgetting to connect a charging cable: the terminal is defective, a short circuit occurs and damages your electric car. What to do ?

The differences between all-risk and third-party insurance

In the case of all-risk insurance, damage caused to the charging station is globally all insured, just like your own damage. All-risk insurance covers virtually all damages, both yours and those of the opposing party.

On the other hand, if you have opted for third-party insurance, the coverage is obviously more limited. It will only cover your own property damage for which you are not responsible, such as theft, fire, broken glass, collisions with animals and damage caused by natural forces.

Compulsory liability insurance only covers damage you cause to others with your car. You must therefore take responsibility for your own damage.

Read also :
• Charging stations: what will change in 2023
• Volkswagen: more than 15,000 fast charging stations
• Electric cars: we will soon be able to recharge while driving!

What to do in the event of an incident at your own charging station?

Another incident, this time at your own home charging station. Again, all-risk insurance will cover damage to your car, while third-party insurance and civil liability will only cover the damage described above.

In this regard, if you install a charging station at home, you must report it to the organization that insures your home. Damage to the installation is automatically covered by insurance in the event of fire or water damage.

Be careful however, if a charging station is defective due to a manufacturing defect and it causes a fire, the damage to the charging station is not covered by your insurance. You will have to turn against the manufacturer via legal protection insurance. The latter may be required to initiate proceedings against the supplier of the defective terminal.