daleyd
Member
- Messages
- 10,415
- Location
- Wrexham, North Wales
Who did the research (& esp. who funded it) are extremely important factors in any "Findings".
History is peppered with findings from surveys that were funded by parties where (Surprise!) the data "proves" exactly what is in the best interests of the funding party.
Insurance industry - is out for itself, so what they consider high risk, is pretty reliable.
E.g. if you have a house with an integral garage, your premium will be higher than a house without (or with a separate garage)..... because the data proves that the risk of fire/damage is greater with a "working area" & flammable as part of the home.
The Insurance Co - have determined that charging an EV.... is a Risk that is elevated to a point where they won't offer @Ubique Cover if he charges inside (day or night). That fact HAS to tell you something (I.e. that the seriousness of consequences makes indoor charging an unacceptable risk).
Most explosives are extremely sage and benign when stored & handled correctly. Good sense & good practice means you don't store them in your kitchen cupboards - as the result of a very unlikely event is too massive to warrant the risk!
Denial of the Insurance Co's Risk Assessment (& Exclusions) leaves an individual not only risking a fire that might wipe out his family (& neighbours) - but also (were he/she/it to survive) without Insurance & liable for all the damages.
I know what policy I'd be following.

Are electric car fires really that common? | The Car Expert
Spend time on social media and you'll read many stories about electric car fires. But do EVs really catch fire all the time or is it a myth?

The article quotes a few sources, all of which broadly agree. A quick google search brings up lots of different things along the same theme.