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Its not just car insurance that has shot up. I am the director of a property company and one of our buildings had a medium size tree fall down in the grounds. The estimate from tree surgeons to remove it were over £5,000, due to where it is in the grounds so I called the insurance company to see if this would be covered. Turns out that it was not covered so I paid up and thought that was the end of the matter. When it came to renewal time the premium went up considerably so I called to ask why. I was told it was because we had made a claim which did not proceed. We changed insurance companies.

Why adding 5p/litre to the diesel car as it doesn't have to fill up at expensive motorway service. Let's just r the results.

Insurers seem to hate Teslas. Model Y SR = £1100, Volvo C40 Twin (faster and more expensive) = £440. Go figure.

When Goverment gets involved nothing ends well. While I believe insurance is a necessity these days as soon as it becomes law to be on the road the only winner is the companies who have a captive audience and can charge what they like. Here in NZ it’s advised bot not compulsory. Last year I got read ended by someone with none, my car got repaired and my insurance comment took the other guy to court and he’s paying $10 a week for years and years. You do you, and you take the gamble or pay the money. As soon as an anything is mandated the only winner is the company with a Goverment forced customer.

Love your videos Ian. I don't own a tesla for now but I do have an Ioniq 5 and have had it since 2021. I have watched a few of your recent videos and it is so nice to see and hear someone on RUclips say the truth about ev's. I am so fed up with most ev stories/videos on RUclips which are so so negative, basically lying to get views. Please keep them coming and take care

Interesting comparison. Neither of your previous cars was that frugal largely due to weight. The outlander is carrying a heavy battery and the volvo is a big car. Nice car. Rather like the s90/V90. My petrol golf estate can easily do 53mpg on a long trip. Whereas i suspect something like a Passat diesel might do 60mpg. That would make the comparison closer. However for short trips with home charging the Tesla will be a lot cheaper to run. How often do you do a long trip. If buying new it's convincing. When it comes to replacing my used car I'm also factoring in monthly costs and insurance. That tesla supercharger network and very competitive pricing makes it much nicer than most other brands. Gridserve will charge much more.

whomever is telling you insurance rates are going up on regular cars is full of it. I have a 500+ hp car and it's going down steadily. It may be decreasing slower, but it is NOT going up. Sounds like cope to me.

I used to keep the car in a garage until I found the price goes up, with that. The longer you leave the more it goes up. Let your insurance run out it goes up. All a scam

Nice road trip Ian went there in the Motorhome a few years back .

its ok to save £5, but how many kids died looking for lithium to make the battery for electric cars?

Hi, I really think that the UK insurance industry is for want of a better word just ripping people off simply because they can. I've been running a Tesla Model Y rwd here in France for the last 2 year's and my fully comprehensive insurance including full European breakdown coverage cost me 354€ for the first year and 366€ for the second. My insurance is currently up for renewal and ive just bought a new Tesla model Y rwd but this time I've opted for the long range rwd and my latest quote has come in at 375€ and again this is inclusive of full European breakdown coverage and here in France as it's the car that is insured rather than the driver, my insurance covers any driver over the age of 25. Given that the European breakdown coverage costs me at least 100€ out of the 375€ then my fully comprehensive coverage is actually around 275€ for the year. So how can the UK insurance industry get away with quotes amounting to 6 x the cost of what I'm paying in France. I was under the impression that this was a regulated industry. Indeed, insurance goes up in price every year as mine has by about 15€ each year, which I always have a moan about to my broker. Like you I always shop around but since I have had Tesla, my current insurers AXA have always been the cheapest, although not by much.😢

Hi Ian. Truly shocking Industry - is it a coincidence that sector profits have rocketed in line with premiums. Also just shocked to be told by NFU they have a blanket policy not to insure Tesla cars at all!! Why I have no ideas, especially given their safety rating

Raise a complaint with the insurance firm, via their online Complaints Handling Process, that the cost is excessively high, and get a Complaint Reference Number (you may have to phone in to get the CRN). The insurance firm should give a response to your complaint within 8 weeks. Then refer the complaint to the Financial Ombudsman Service (FOS), if the outcome is not to your satisfaction. Ultimately these complaints are referred to the Financial Conduct Authority (FCA), who regulate the insurance firms. The FCA are clamping down on bad practices in the insurance industry. This clamp-down will only happen if we complain. If we don't complain, then nothing will be done to curtail the insurance industry's bad practices.

G'Day Ian. I bought my Australian SR Model Y about the same time as you (mine was 29 Sept 2022). I paid AU$1300 (GBP 664) insurance at purchase, and again AU$1300 for the next year. This year it jumped to AU$1550, but then I had to add an extra 5000km, so the price ended up being AU$1700 (GBP869) which I thought was a bit steep because the cars value has gone down by around AU$25k (GBP12800). I realise this is standard practice, but it's hardly fair when you haven't made a claim. For anyone interested, I'm insured with AAMI. And have been for many years. I also pretended to be a 'new' customer to see how much cheaper it was going to be, and shock horror, it was AU$158 MORE than the renewal+extra kilometres. I'm presuming AAMI have woken up to people doing exactly what I did, and it really *IS* cheaper for loyal customers (surprised me that's for sure). I also went to iSelect, and the cheapest they could was almost DOUBLE what AAMI were asking. So much for a 'comparison' website. I wish Tesla Insurance was in Australia 😞

It is definitely because is dual motor Tesla model Y, Tesla 3 rwd would be around twice cheaper

Seems to be a UK problem, why is that? My Tesla insurance is the same price as a Camry.

My past two years renewal quotes have turned out to be the cheapest option available. This last renewal (yesterday) saw a slight increase of around £20 on last year's premium.. though I have gone from a group 21 vehicle to a group 3! Premium now £312 for business and domestic usage with 9k predicted miles and 9+ years NCD.. age 66. Discount applied for having house insurance and partner having her car also with the same provider. Who are Privilege.

Furthest East to West in Scotland: under 4 hours. Furthest East to West in the Continental USA: 55 Hours/ 3,315 Miles (West Quoddy Head Lighthouse, Maine to Cape Flattery Trail Head, Neah Bay Washington) according to Google Maps. And Europeans wonder why most Americans rarely travel outside the USA. And sense this is a Tesla channel I did a route for a 2023 Model Y Long Range on A Better Route Planner. According to ABRP it would take 23 charges and add 7 Hours and 55 Minutes to the drive time. If a Gas Car got 400 miles to a tank it would take approximately 8 stops for Gas along the way, so let's say 80 Minutes of stopping to get Gas. Just for kicks I changed the vehicle to a Rivian RST Dual Motor Max Pack and it says it will take 19 Charging Stops for 10 Hours and 3 Minutes. So less stops but longer charging for the Rivian. Probably the best vehicle for taking that kind of crazy road trip would be a Hybrid Mini-Van. Mini-Vans are great for long road trips, they get better gas mileage than a SUV, are safer than a SUV, and have as much cargo space as most SUV's. Anyway, none of this means anything. I just find the difference in size of the countries interesting and how much you would have to stop and charge in an EV interesting.

New to Tesla (2021 model 3 RWD standard +).. how on earth does one manage the duel heating controls? I don't seem to be able to turn off or control the passenger side when there is someone like my Mrs is riding shotgun who hates the cold. Surly a £40k has duel climate control...... cheers.

Go for maximum voluntary excess but take out excess insurance separately (ALA Insurance). That will go some way on reducing your overall insurance cost.

Well,well,well!. What is going on? I have ordered my first Tesla, and yes, a Model Y. My current insurance provider gave me a fully comprehensive quote of £2,300 (currently paying £616 for my Mazda MX30 that is going). They told me that this was the very best price they could offer. So, not surprisingly, I shopped around and Bingo: covering both me and my wife, including the normal personal injury protection etc, etc for a full year, a shade under £1100 and from an Insurer I spotted within your video Ian. Therefore, I’ll worry about next year’s renewal, next year! Enjoy your posts enormously, keep them coming.

I’ve just gone from a VW Touareg which was about £95 a month to insure to a model Y performance and it’s gone down to £72 a month

My electric Citroen E-C4 my premium jumped by 10% in Feb 24... By a little bit of shopping around I got it down to £435 fully comp per year. Last month, I renewed my diesel car insurance. That came through at £307 fully comp. So I don't understand quotes of £1,400/yr bearing in mind we live in Chelmsford which is supposed to be a high risk theft area.

I bought a new Tesla model S 75D in 2017 for the first few years I insured with LV taking the maxium voluntary excess of £1000 and it went from £300 to £400 last year it went to £700 the renewal this year was £800 so i used the comparison websites and took the lowest quote of £485 from Tesco. The low price maybe because they only value the car at £17500 now

Why does it cost more? I will tell you.A broken headlight on my Ford Corsair cost 15 pounds. Just about all headlights for every car were a standard size and a standard fit. My Tesla headlight is thousands. to replace. My Father In law got a tap from behind and broke his rear light, on his Audi. The chap said don't bother with insurance I will just pay it. After the quote he went through his insurance. It was nearly one thousand to replace. A back light.

Have you got glass cover. Not for your windscreen but for your roof. I had to pay more to get roof cover. A replacement roof for a Tesla is a fortune.

My renewal was the cheapest as well. Only a few quid more than last year.

I’ve just been looking at Insure my Tesla. Not sure whether this is anything to do with Tesla or not but the company is clearly geared to insuring Teslas. Their quotes go between 2800 and 4129 depending on the level of cover. I am in my 60s full no claims discount and drive less than 6000 miles a year. . That is for a model Y long range

Had my renewal through in August. It went up from £37 a month to £51. I shopped around and managed to get it for £28 a month and that is with even more perks like a courtesy car which wasn't with my last insurer. I drive an old 19 year old car and have 25 years no claims.

2021 m3p with 45k miles, policy for 25k miles annual driving was £700 with Adrimal. Last year i had sheilas wheels which was £1100. I also got a quote from Tesla for £1200. It's worth spending a few hours looking for the deal.

What gone up by 50% in 2 years, can only be, labour, parts, or more claims or more profit.

I’m 51 with a BMW M135i and my renewal went down in price.

You can understand why more and more people are saying "bugger that" and just risk it or just get the bear minimum to cover what YOU do.

LV quoted me north of £6000 for my EQC this year

Just renewed my insurance and it had gone down at renewal. Comparisons were around the same. I increased my excess and took out excess insurance years ago as makes a saving. I gave up with a broker this time as they sent an email saying they tried to call me but I had no missed calls, wont start off on a lie. Going to move my business van and business insurance from that broker too next year.

The problem with insurance is there are too many go betweens taking a slice of the premium before the underwriters who are the people actually insuring you !

The answer is obvious insurance companies have monopoly. Take or leave it is their mantra.

I'm about to renew the insurance for my Model 3 Performance for the sixth year. The renewal quote from Churchill is £521.00. It's about £30 less than last year but it's still a lot compared to 2 years ago. I might give them a call to see if they'll shave any more off. I'm only a low mileage driver (4000 miles per year). I pay way more per year for the insurance than I do for the electricity for the car! Here's what my insurance has cost me so far for my Model 3: First year 2019: £339.24 (LV) Second year 2020: £366.24 (Churchill) Third year 2021: £362.20 (Churchill) Fourth year 2022: £356.72 (Churchill) Fifth year 2023: £551.87 (Churchill)

You say it’s not an EV thing but we have just updated the insurance on both our cars and this hasn’t happened to us. My Renault Arkana Hybrid’s renewal was up by £40 on last year and the new quotes were way cheaper at £410 while my wife’s Nissan Juke insurance renewal was £440 but we actually got it for £280. 🤔

I think its one of the many reasons that EV sales are dropping, the insurance is getting out of control. My renewal for my aging 13 year old Diesel was just 40 quid more than last year.

It’s all about how much you’re prepared to be screwed.

Ive had a similar experence, last year the price for my Tesla model 3 performace insurance doubled - and that was my renewal quote - i couldnt find anything cheaper! I too tried a broker who, after speaking to them on the phone for over an hour, proceeded to give me the highest quote id had! When i questioned why it was so expensive they said that i was because it was an EV and repairers dont know how to ascertain if the battery has been damaged in an accident, so they just replace it! (why is that my problem). I have since found out the varying price thing with brokers, is dependant on the time of day that you request the quote - if you request it at a time when they are getting less business, it's cheaper (not by much though im sure). Anyway - my insurance is up for renewal again at the end of this month - wish me luck!

That's why we got one. 10 year old Model S, original battery and motor but FREE Fuel !!

It's a UK thing, I just renewed my 2023 TM3 insurance for €550 in France. Teslas are almost impossible to steal, and this should be reflected in the quote

not just EVs. My X3 went from 363 > 818 > 1586 over last 2 years with Axa and 23 years NCD. Price comparison sites showing I can get to 1200 but wtf!

Most charge points on the motorway cost 79p/kwh. That would be £148

All part of the locking down of people, no travel unless approved?

Zoe’s are CCS after 2020. The 52kw battery variant. Kona Chargeport is on front bumper.

My insurance for 1.5d qashqai didn't increased that much for last few years , maybe 40pounds more per year 😂

Wow that sounds absolutely insane. You would think the price would go down.