That is an awful situation. Here is Australia a lot of body corporate for multi-dwelling buildings are not allowing EV owners to charge in the underground carpark due to concerns of fires, insurance and possible requirements for installing a high volume fire suppression system. EVs - a gift that keeps on taking!!
Interesting to see insurance companies taking a U-turn, it’s going to make seriously interesting when the government insists on only battery cars and insurances say NO!
Quite right. It is illegal to drive without insurance so nobody can drive EVs without it but perhaps this is the government's plan? Therefore more and more people will stick with petrol and diesel. 👍
Let me get this right. You bought a car 3 years ago for£130000 and is now worth £30000. It takes over an hour to fully charge it and now you can’t get insurance for it.?
My wife is wheelchair bound and has a Motability car which is due replacement. She was offered an EV and she said she'd rather walk! I'm not joking, she really said that.
@TheMacMaster Absolutely no problem. Angie was a Pharmaceutical Inspector, aged 47 at the bus stop at 7am, attacked and paralysed with inoperable brain tumour. You know the rest.
@@williamwelling4872 more to do with push from corrupt WEF. Governments Unfortunately ,. Now that they’ve got EV owners in their pockets , they’re going to charge Rd tax .:
@williamwelling4872 I can see that in court.... [Defence] have you tried? [You] no! [Defence] how do you know then? [You] because I watched misinformation mac master's RUclips channel [Judge] case dismissed
Because that truth doesn't make for a Clickbait title for Vlog. The insurance will not auto reinsure due to a new assessment having to be made, they have not said they will not insure. The Insurance company underwriters will be aware of this problem without McM phoning them. Time people stopped falling for his BS and control nonsense
I predicted this when my fire insurance quadrupled using my living in a mountainous area as an excuse to gouge us. When are we simply going to tell our leaders they will simply have to stuff their plans or forget about getting their taxes.
After the multi storey car park fire, I said at the time the insurance companies would expose these EV shenanigans. If insurance companies are refusing to cover people, they are doing it for a reason.
we are already starting to see clauses appearing in motor trade policies that we are not covered to keep ev's in premises overnight (unless we want to pay hugely inflated premiums of course)
It is a bit clickbaity. They actually have said that the restriction that they are advising is up and to when the car is checked. However It is no way to treat customers.
Don't you know the UK is run by a total ⚓⚓ that lets unchecked immigrants in by the thousands why would they get something like EV insurance right. The government only act after the horse has bolted
We had a guy here down under park his heap of excrement vehicle outside the dealership that he recently bought it from . He also stood with it and a plackard that said , do not buy a vehicle like this off this dealership or you too could end up with these listed problems and this dealer will not acknowledge any of it, until he did this. They then fully refunded him to get rid of him. Lawyers did not work either.
😆 freind of mine did that with a personal computer he had issue with, made a fuss outside the large shop and within an hr got a full refund, can't remember the shop, computer planet or something 😜👍
Do you remember the Luton Car Park fire 🔥 that was 💯 percent because of an electric car I guarantee!! And yes I really really REAAALLLLY won’t be buying an electric car in future absolutely forget it 🤦♂️🤦♂️
An E-bike recently destroyed the owners house when it burst into flames. This happened in the UK and made national news. Any EV can potentially catch fire at any time.
Call Porsche, they should be obligated to provide equivalent insurance at the same price. If they don't, sue them. They didn't tell you the car might catch fire when you bought it!
@エラー-e7v Any goods sold need to be fit for purpose. I would have thought that supplying faulty goods that could explode and burn your house down and make the car and house uninsurable would be a breach of contract?
@ that sounds about right but the manufacturer and insurance companies will do and say anything to avoid paying out in any case. Government is only obliging them - total mafia state out there
Porsche is a vehicle manufacturer, not an insurance company. If a customer wanted Porsche to arrange car insurance, Porsche would simply farm it out to an insurance company.
Disclosure is an IMPORTANT matter when it comes to insurance - many people have found that out when going to make a claim. Better for your insurance to cost you a bit more, than risk a VOIDED policy for a ‘simple matter’ of disclosure. CHEERS from AUSTRALIA
@@geneva760 Agreed. The difference here is that Lee only made a general enquiry based on information from online forums. He has yet to receive the official recall letter, so technically speaking, nothing has changed and his particular car could potentially be unaffected.
I have made some atrocious decisions over cars in my 40 years of motoring,but never ever would i buy a electric car ,why on earth would you actually purchase one of these is beyond belief,
If i were ever mad enough to consider buying one, say in a moment of madness then it would be a Kia or Hyundai, never a so called luxury version from someone like Porsche, Audio or Jaguar etc.
Again people pay money towards rent utilities bill buoy some food for week were lucky if we can afford to buoy bicycle this guy on about electric cars costing probly over fifty grand
There's a GDPR rule about how information is processed and what permission is given. If you didn't provide a policy number because you just wanted an answer to a general question, then your insurer probably broke the GDPR rules by abusing your data to identify your account.
Question to GPT: "If A car owner in the U.K. received a letter from a carmaker about his car being a fire hazard and not to park it near this home, and made an anomalous call to his insurance company which without his permission used his number to identify him and cancel both his insurance policy and home owner's insurance, could that be a violation of GDPR laws or other U.K insurance or consumer law? ChatGPT said: Yes, the situation described could potentially involve violations of several laws, including the General Data Protection Regulation (GDPR), as well as aspects of U.K. insurance law and consumer protection law. Here's a breakdown of how each of these might be implicated: 1. Violation of GDPR (General Data Protection Regulation) GDPR regulates the handling of personal data within the European Union and the U.K. (post-Brexit, the U.K. still follows similar standards under the UK GDPR). Several aspects of this scenario raise potential GDPR concerns: Unauthorized Use of Personal Data: If the insurance company used the car owner’s phone number to identify them and access their account without permission, this could constitute unauthorized processing of personal data. GDPR requires companies to process personal data lawfully, transparently, and for specific purposes. Using someone’s data without their consent or without a legitimate reason can be a violation. Lack of Consent: If the car owner did not give explicit consent for their phone number to be used for identification purposes by the insurance company, this could breach the GDPR’s consent requirements. The regulation emphasizes that consent must be informed, specific, and given freely. Data Subject's Rights: The car owner has rights under GDPR, including the right to object to the processing of their data (such as the unauthorized use of their phone number) and the right to rectification. If their insurance policy was canceled without their consent or knowledge, it could also raise issues about the right to object to decisions made based on automated processing (if this was the case). 2. U.K. Insurance Law Cancellation of Insurance: If the insurance company canceled both the car insurance and the home insurance without the car owner's explicit consent, this could potentially be a breach of U.K. insurance law. Insurers are generally required to follow clear procedures before canceling a policy, especially when it comes to significant matters like home insurance and car insurance. They must provide adequate notice and a valid reason for the cancellation, and the insured person must have the opportunity to respond or object. Failure to Notify Properly: The insurance company may be in violation of its contractual obligations if it failed to follow proper cancellation procedures. In the U.K., insurers must also adhere to the rules of the Financial Conduct Authority (FCA), which govern fairness and transparency in insurance contracts. 3. Consumer Protection Law Unfair or Deceptive Practices: Under the Consumer Protection from Unfair Trading Regulations and the Consumer Rights Act 2015, businesses (including insurers) are prohibited from engaging in unfair or misleading practices. Canceling both insurance policies without the consumer’s consent or without providing clear justification could be considered an unfair practice. Unsolicited Contact or Manipulation: If the anomalous call involved any misleading or deceptive information, or if the insurance company manipulated the car owner into making a decision without full understanding or without their permission, that could fall under unfair consumer practices. Conclusion The car owner might have grounds to file complaints with relevant regulatory bodies, such as the Information Commissioner’s Office (ICO) regarding GDPR violations, the Financial Conduct Authority (FCA) regarding insurance matters, and potentially with consumer protection organizations. If the insurance company used personal data in an unauthorized way or canceled policies improperly, this could be considered a violation of their rights under both GDPR and U.K. insurance laws. The car owner may also have grounds to seek compensation or other remedies, depending on the circumstances.
7:15 Selling everything and leaving the country sounds like reasonable expert advice, and in the meantime, I'd say pray the car "Goes Up In Smoke" before the insurance runs out.
LIKE EVERY THING ?That comes out of Parliament ? have a look on the tube PEACE KEEPERS PART 2 By Parliaments own admission , They can not tell the People What to do ? 🤔
So glad my Mrs and I have just recently traded in our 2 x 2017 Suzuki’s (Vitara S & Ignis) for a brand new 2024 Suzuki. At least it buys us a few more years in an ICE vehicle…
I was told by an insurance broker, never contact your insurance company to ask anything about cover or a what if because you will immediately be flagged up as a potential risk and your policy will definitely rise on renewal taking on board your what if question.
@@briankingsnorth4739 This was the point I was making! Lee has had loads of recalls but he has never mentioned that he has phoned his insurer to notify them. The time he did call was off the back of someone else's letter, not his. Lee's letter made no reference to not charging near a building so I would say he had no reason to call them. I wonder how many of the people who did receive the letter called their insurer? The call operator didn't seem to have much idea but I suspect someone more senior decided to pursue it. Now he has been refused insurance a fact that will need to be disclosed as that is a standard question 'have you ever been refused insurance' It will be interesting to see how this develops. 🤔🫣
if the insurance company just used the phone number to identify you they are in breach of GDPR they need to confirm at least 3 data points which must include address and name
Jonathon who does ,Shoreham Auction , popular , used EV models are holding up well . Vans are not , as too low range ruclips.net/video/VBDO4Se5tRI/видео.htmlsi=TR_rIkCH1YDIThj6
Insurance is one of the biggest scams of all time. You can't physically touch it, see it and usually can't use it for its intended purpose. We pay into it for life and most of us never get our money's worth out of it.
😂😂😂Great video Lee, I bet Porsche are loving this one. ☝️ Look forward to seeing how you get on! My neighbour across the road has the same car 🚗 think tell him to charge it elsewhere! 😂😂😂
I think you were wrong ringing your insurer before you received your recall letter. It appears to relate to the fact that you read out the bit about not charging near the house hence it being a fire hazard. Yours was just a recall but you decided to jump the gun! You will now have to disclose that you have been refused insurance. The problem is that there are no proper insulation brokers just computer operators.
And now you have been refused insurance, you have to tell them you have been refused, as they ask have you ever been refused insurance which you now have
@@Beanerds this is not about EV love. This question is whether he is misleading. He phoned his insurance company and effectively said "my risk has changed", the insurance company did a standard response "call us so we can assess". That is all. Notice the spin thereafter... no one will insure us, EVs are fire risks.
Don't forget Lee, one of the questions asked by any insurance company when asking for a quote is, have you ever been refused insurance in the past. Could be awkward when that one crops up!
Not strictly refused, simply not renewed at the end of the contract. Insurance companies are careful not to refuse, usually they will just quote such a lot of money that you won't go ahead.
Most new companies will ask you "Have you ever had insurance refused ?". So this may now cause you new issues with a new insurer potentially putting up your insurance costs. Also if you now know that your car is officially a fire hazard then knowingly parking it near someones house may leave you at a legal risk. Imagine if there was a fire and someone was injured as a result of its placement by you.
I said to my missus the day you rang up the insurance company that you should never call an insurance company just to ask a question as they track who you are and it goes down as an enquiry and goes against you when you reinsure and increases your payments, worse thing you can do is cannot an insurance company for no reason
Saw this coming as a Electrician. You might not be able to be insured if your garage is attached to the house. Business car chargers can’t be mounted on the building now
Interesting video Lee that letter is just a renewal notice for your car which by the way it reads is,going up quite a lot or they are not going to renew it until you phone them,and you just telling everybody about a letter to somebody else’s cars,means you know about the problem and when your house insurance comes up for renewal,they might not let you have your car parked within 50-100 meters,of it because our next door neighbour charges their car on the road but as I said in the original video,you did by reading the letter out you have been informed you and your,videos have got yourself into a bit of a bind don’t worry I had something similar with my pickup,they wouldn’t renew my insurance and I just want with another company 🤣👍👍
So glad I didn’t go electric when I renewed my Cooper S this year - stayed with petrol and I’m going to get another petrol car near the deadline as well - although probably not the same as I’ve got as they’ve lost the plot with them now.
Wow. I seriously thought this would happen when you mentioned the letter. Insurance companies dont like that, a potential firebomb on their hands naturally. Somebody said you cant get a decent second hand car nowadays which is just a few years old. You can, I own one, snd am really glad for it. Really like your jacket. This is ultimately on Porche misselling you that car. They should allow you to trade it in for another car - even if its a hybrid. Great vid, and good look 👍
SO IF YOU MUST NOT CHARGE AN EV ABOVE 80% AND NOT ALLOW IT TO GO BELOW 20% THAT LEAVES 60% OF ADVERTISED RANGE BUT NOT IN WINTER AND NOT TOWING A TRAILER AD NOT WITH HEATER ON
@@rumpoh8039 Yes, in the same way as a petrol car you don’t usually run down to empty (although you can if you want to, I regularly run down to 5% when I know I’m ending up at home with a charger) And you can charge to 100%, it’s perfectly fine, it’s just not advised to charge to 100% and leave it like that for days (and of course if you’re not using the carry would you charge it to 100%) So much misinformation about EVs, most of it just wrong!
@@rumpoh8039 You can charge NMC batteries to 100% and run down to near zero if necessary but they can be kept in better condition if the 20-80% is practised on a daily basis for shorter distances. If the batteries are LFP chemistry, you can do it as often as you like.
@rumpoh8039 in exactly the same way that you MUST NOT change your Apple phone above 80% and MUST NOT let it go below 20%! But you do break that rule don't you?
I'm slowly going off YT. I made a comment in the last hour (utterly harmless and basically just info with no url included) and.... IT'S GONE! Wonder how long this comment will last?
Forget the house insurance, if electric porsches can't be insured that will crater their sales and reputation, the knock on effect is other EV's too....I've seen too many Tesla's on fire too...
Not sure that’s fully correct Lee, they haven’t cancelled your insurance and have not exactly said they won’t re insure you, they haven’t asked you to contact their new business section. I suspect they will still insure you but I also suspect it may cost!!
![Felix "Unfair" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/Oswujxm2Ag0/mqdefault.jpg)
That is an awful situation. Here is Australia a lot of body corporate for multi-dwelling buildings are not allowing EV owners to charge in the underground carpark due to concerns of fires, insurance and possible requirements for installing a high volume fire suppression system. EVs - a gift that keeps on taking!!
How do they feel about diesel vehicles? ruclips.net/video/NMw_07JeIlE/видео.html&ab_channel=TopFacts
Interesting to see insurance companies taking a U-turn, it’s going to make seriously interesting when the government insists on only battery cars and insurances say NO!
Quite right. It is illegal to drive without insurance so nobody can drive EVs without it but perhaps this is the government's plan? Therefore more and more people will stick with petrol and diesel. 👍
@@landzw The Government should then provide reasonable insurance for its their agenda being forced on us.
Let me get this right. You bought a car 3 years ago for£130000 and is now worth £30000. It takes over an hour to fully charge it and now you can’t get insurance for it.?
Why don't you just get Rid of the Car and Count your Losses
Well worth the money and inconvenience
@@scotfree21 but other than that...its all great!
Just change to a 911 carrera
He was cleaver enough to take the car on pcp
The key wording here is “until it’s had an inspection”, presumably it will pass said inspection and EV live can carry on as normal.
My wife is wheelchair bound and has a Motability car which is due replacement. She was offered an EV and she said she'd rather walk! I'm not joking, she really said that.
Hey Rob. I've got a video coming up about Motability and EV's. Once it Aires drop me a message if love to get you on the vlog.
@@TheMacMaster
"Aires"?
Have you been drinking and posting again?
🤣🤣🤣🤣
@TheMacMaster Absolutely no problem. Angie was a Pharmaceutical Inspector, aged 47 at the bus stop at 7am, attacked and paralysed with inoperable brain tumour. You know the rest.
Rob, who offered her the EV?
@@DwaynePipes predictive text
This is another nail in the EV coffin. The EV folly dies one nail at a time.
Time to sue the electric car maker's and make them insure your car and house in court
@@williamwelling4872 more to do with push from corrupt WEF. Governments Unfortunately ,. Now that they’ve got EV owners in their pockets , they’re going to charge Rd tax .:
@williamwelling4872 I can see that in court....
[Defence] have you tried?
[You] no!
[Defence] how do you know then?
[You] because I watched misinformation mac master's RUclips channel
[Judge] case dismissed
The 15min city's are coming
But all they said was your policy expires in January. You haven't even tried to get a renewal yet so how do you know they won't insure you??
Because that truth doesn't make for a Clickbait title for Vlog. The insurance will not auto reinsure due to a new assessment having to be made, they have not said they will not insure. The Insurance company underwriters will be aware of this problem without McM phoning them. Time people stopped falling for his BS and control nonsense
@@Chris-hy6jy I think Lee covered this as insurance companies share your information just like the mafia
Watch tonight's video.
COULD WE LOCK STARMER IN ONE
SOON....
I’ve seen lots of chemists , and shops -Signs in windows etc , saying mobility scooters not allowed in if Lithium batteries, IE = ok if lead Aciid .
@@GrantCoppin-Brown where? I have not seen one? Do they say not mobile phones as well. May be you are spraying misinformation
I predicted this when my fire insurance quadrupled using my living in a mountainous area as an excuse to gouge us.
When are we simply going to tell our leaders they will simply have to stuff their plans or forget about getting their taxes.
All part of controlling everything we do and the nut zero race to the bottom.
After the multi storey car park fire, I said at the time the insurance companies would expose these EV shenanigans. If insurance companies are refusing to cover people, they are doing it for a reason.
Worth a quid, fully charged. And even the scrapman won't take it.
So true, so true.. 🤭
we are already starting to see clauses appearing in motor trade policies that we are not covered to keep ev's in premises overnight (unless we want to pay hugely inflated premiums of course)
New fix. Park it at Porsche parking lot and leave it there forever
Understandable Insurers are deciding that EVs are ticking time bombs.
@@BenthamGS which insurers are they then? Or are you spraying unqualified words?
It is a bit clickbaity. They actually have said that the restriction that they are advising is up and to when the car is checked. However It is no way to treat customers.
Ahh, so, in UK car insurance is mandatory. Your EV will be uninsured, therefore illegal. But your government is Mandating Evs. er, is that right??????
Don't you know the UK is run by a total ⚓⚓ that lets unchecked immigrants in by the thousands why would they get something like EV insurance right. The government only act after the horse has bolted
I wouldn’t buy an electric car if you paid me.hope you get sorted 😮Trudy
We had a guy here down under park his heap of excrement vehicle outside the dealership that he recently bought it from . He also stood with it and a plackard that said , do not buy a vehicle like this off this dealership or you too could end up with these listed problems and this dealer will not acknowledge any of it, until he did this. They then fully refunded him to get rid of him. Lawyers did not work either.
😆 freind of mine did that with a personal computer he had issue with, made a fuss outside the large shop and within an hr got a full refund, can't remember the shop, computer planet or something 😜👍
That car has brought you nothing but pure joy Lee 🚙 😂😂😂😂.
Do you remember the Luton Car Park fire 🔥 that was 💯 percent because of an electric car I guarantee!! And yes I really really REAAALLLLY won’t be buying an electric car in future absolutely forget it 🤦♂️🤦♂️
The Luton Airport cark park fire was caused by Diesel hybrid Range Rover, which has been reported in the news after the incident occurred
@@robertbroughton9327Hybrid, so basically a more useful EV.
Diesel apparently. 😂
Tried to get insurance for a Taycan with LV, Sorry "WE DO NOT INSURE THIS CAR"
An E-bike recently destroyed the owners house when it burst into flames. This happened in the UK and made national news. Any EV can potentially catch fire at any time.
@@kennethoram4292 of course ebikes have never been modified by the owners in such a way that might have caused the issue.
Call Porsche, they should be obligated to provide equivalent insurance at the same price. If they don't, sue them. They didn't tell you the car might catch fire when you bought it!
At customers own risk they will say. They and insurance companies will try to get out of potentially having to pay out.
@エラー-e7v Any goods sold need to be fit for purpose. I would have thought that supplying faulty goods that could explode and burn your house down and make the car and house uninsurable would be a breach of contract?
@ that sounds about right but the manufacturer and insurance companies will do and say anything to avoid paying out in any case. Government is only obliging them - total mafia state out there
Porsche is a vehicle manufacturer, not an insurance company. If a customer wanted Porsche to arrange car insurance, Porsche would simply farm it out to an insurance company.
@paulf897 🤣 I cannot believe that you are that gullible.
I'm with Jeff on this 😊
Charge the government, for pushing manufactures to deliver EVs that are unsafe. And not capable of being insured.
It's a good job you got the Taycan on a lease and can have it back in a few months time!
Trouble is that this insurance problem with electric cars will no doubt cause the insurance on petrol and diesel cars also to increase.
Disclosure is an IMPORTANT matter when it comes to insurance - many people have found that out when going to make a claim. Better for your insurance to cost you a bit more, than risk a VOIDED policy for a ‘simple matter’ of disclosure. CHEERS from AUSTRALIA
@@geneva760 Agreed. The difference here is that Lee only made a general enquiry based on information from online forums. He has yet to receive the official recall letter, so technically speaking, nothing has changed and his particular car could potentially be unaffected.
Another problem you may have now is that in theory you have now had insurance declined which will go against you on any future renewal.
Yep that’s what we did ! Moved out of the U.K. , bloody place was making me ill .
Surely if you receive a letter like that, under the consumer law your car is not fit for purpose and you should receive a full refund.
Interesting point. This principle is probably time related though.
@nevillekinsley5610 3.3 million ICE age car owners got a similar letter last year. It nothing new.
It's all about control EXACTLY THAT!!
Private landlords have been told to make sure e bikes must not be charged in property.
13 people evidently died last year with bikes causing fire
I have made some atrocious decisions over cars in my 40 years of motoring,but never ever would i buy a electric car ,why on earth would you actually purchase one of these is beyond belief,
I have one its great, no problems with it don't believe all the shite from this bloke.
If i were ever mad enough to consider buying one, say in a moment of madness then it would be a Kia or Hyundai, never a so called luxury version from someone like Porsche, Audio or Jaguar etc.
Again people pay money towards rent utilities bill buoy some food for week were lucky if we can afford to buoy bicycle this guy on about electric cars costing probly over fifty grand
Ego. Novelty.
What I like, regardless of it being an electric, petrol or diesel, you always use your cars as intended.
Can you blame the insurer...that letter from Porche is admitting the battery is a potential fire hazard
There's a GDPR rule about how information is processed and what permission is given. If you didn't provide a policy number because you just wanted an answer to a general question, then your insurer probably broke the GDPR rules by abusing your data to identify your account.
That's absolutely correct!
He broadcast it on u-tube, someone at insurer probably put 2+2 together and realised problem
@@TheSpuggiehawk I don't think it no longer applies to the UK it's an eu regulation were not in the eu. I could be wrong?
Question to GPT:
"If A car owner in the U.K. received a letter from a carmaker about his car being a fire hazard and not to park it near this home, and made an anomalous call to his insurance company which without his permission used his number to identify him and cancel both his insurance policy and home owner's insurance, could that be a violation of GDPR laws or other U.K insurance or consumer law?
ChatGPT said:
Yes, the situation described could potentially involve violations of several laws, including the General Data Protection Regulation (GDPR), as well as aspects of U.K. insurance law and consumer protection law. Here's a breakdown of how each of these might be implicated:
1. Violation of GDPR (General Data Protection Regulation)
GDPR regulates the handling of personal data within the European Union and the U.K. (post-Brexit, the U.K. still follows similar standards under the UK GDPR). Several aspects of this scenario raise potential GDPR concerns:
Unauthorized Use of Personal Data: If the insurance company used the car owner’s phone number to identify them and access their account without permission, this could constitute unauthorized processing of personal data. GDPR requires companies to process personal data lawfully, transparently, and for specific purposes. Using someone’s data without their consent or without a legitimate reason can be a violation.
Lack of Consent: If the car owner did not give explicit consent for their phone number to be used for identification purposes by the insurance company, this could breach the GDPR’s consent requirements. The regulation emphasizes that consent must be informed, specific, and given freely.
Data Subject's Rights: The car owner has rights under GDPR, including the right to object to the processing of their data (such as the unauthorized use of their phone number) and the right to rectification. If their insurance policy was canceled without their consent or knowledge, it could also raise issues about the right to object to decisions made based on automated processing (if this was the case).
2. U.K. Insurance Law
Cancellation of Insurance: If the insurance company canceled both the car insurance and the home insurance without the car owner's explicit consent, this could potentially be a breach of U.K. insurance law. Insurers are generally required to follow clear procedures before canceling a policy, especially when it comes to significant matters like home insurance and car insurance. They must provide adequate notice and a valid reason for the cancellation, and the insured person must have the opportunity to respond or object.
Failure to Notify Properly: The insurance company may be in violation of its contractual obligations if it failed to follow proper cancellation procedures. In the U.K., insurers must also adhere to the rules of the Financial Conduct Authority (FCA), which govern fairness and transparency in insurance contracts.
3. Consumer Protection Law
Unfair or Deceptive Practices: Under the Consumer Protection from Unfair Trading Regulations and the Consumer Rights Act 2015, businesses (including insurers) are prohibited from engaging in unfair or misleading practices. Canceling both insurance policies without the consumer’s consent or without providing clear justification could be considered an unfair practice.
Unsolicited Contact or Manipulation: If the anomalous call involved any misleading or deceptive information, or if the insurance company manipulated the car owner into making a decision without full understanding or without their permission, that could fall under unfair consumer practices.
Conclusion
The car owner might have grounds to file complaints with relevant regulatory bodies, such as the Information Commissioner’s Office (ICO) regarding GDPR violations, the Financial Conduct Authority (FCA) regarding insurance matters, and potentially with consumer protection organizations. If the insurance company used personal data in an unauthorized way or canceled policies improperly, this could be considered a violation of their rights under both GDPR and U.K. insurance laws. The car owner may also have grounds to seek compensation or other remedies, depending on the circumstances.
@@janolafulit became UK domestic law the moment we were kicked out of the EU.
7:15 Selling everything and leaving the country sounds like reasonable expert advice, and in the meantime, I'd say pray the car "Goes Up In Smoke" before the insurance runs out.
Can you not hand the car back as not fit for purpose?
This is EV MADNESS, I' m speechless....🙄😱
The government didn't think this through at all.
LIKE EVERY THING ?That comes out of Parliament ? have a look on the tube PEACE KEEPERS PART 2 By Parliaments own admission , They can not tell the People What to do ? 🤔
@zoeathomson4305 or may be they did, and you have fallen for misinformation! 🤔
@steve_is_my_name like the solar panel in Wales that they got from china 2 years ago and now broken in a storm. Yeah they think everything through. 👏
So glad my Mrs and I have just recently traded in our 2 x 2017 Suzuki’s (Vitara S & Ignis) for a brand new 2024 Suzuki. At least it buys us a few more years in an ICE vehicle…
Confucius once said “play stupid games. Win stupid prizes”
And what about immediate neighbours of an electric car owner?
@k100wigg what about them? They can worry less about asthma? Or may be they won't be woken at 6am ?
You're absolutely right, the plan is if we move outside of our "zone", the car just stops. All about control.
Imagine what a Digital ID would bring to this issue… post a question on a chat forum and it puts your insurance up.
Didn’t watch this one but I agree with you - it’s not clickbait, it’s MARKETING! Good lad Lee.
I was told by an insurance broker, never contact your insurance company to ask anything about cover or a what if because you will immediately be flagged up as a potential risk and your policy will definitely rise on renewal taking on board your what if question.
@@briankingsnorth4739
This was the point I was making! Lee has had loads of recalls but he has never mentioned that he has phoned his insurer to notify them. The time he did call was off the back of someone else's letter, not his. Lee's letter made no reference to not charging near a building so I would say he had no reason to call them. I wonder how many of the people who did receive the letter called their insurer? The call operator didn't seem to have much idea but I suspect someone more senior decided to pursue it. Now he has been refused insurance a fact that will need to be disclosed as that is a standard question 'have you ever been refused insurance'
It will be interesting to see how this develops. 🤔🫣
Just got my usual advert for an EV that I get on your videos. Honda this time.
if the insurance company just used the phone number to identify you they are in breach of GDPR they need to confirm at least 3 data points which must include address and name
The next logical progression will be to BAN charging from your home.....Its coming....🤔😳🙄🇬🇧
You should watch Barrie crampton latest video on electric cars for sale at auction, cars are 3 years old with less than 10 miles on the clock
Jonathon who does ,Shoreham Auction , popular , used EV models are holding up well .
Vans are not , as too low range
ruclips.net/video/VBDO4Se5tRI/видео.htmlsi=TR_rIkCH1YDIThj6
Insurance is one of the biggest scams of all time. You can't physically touch it, see it and usually can't use it for its intended purpose. We pay into it for life and most of us never get our money's worth out of it.
Yep. Legalised scam.
Sign and share “close the borders” .Over 140,000 signatures already.
Another well thought out government initiative goes 'pear-shaped' due to inconvenient reality. Regards
😂😂😂Great video Lee, I bet Porsche are loving this one. ☝️
Look forward to seeing how you get on!
My neighbour across the road has the same car 🚗 think tell him to charge it elsewhere! 😂😂😂
The most important word in this whole video was… “ STUPIDITY “
lee loves it really it makes him a living , im sure nobody's board of the videos now , the thumbnails enough for me these days
100% I reckon he is going through a midlife crisis thinks his flash owning it needs number plate changing to DIVVY
Have you asked for a renewal quote from your insurance company as your policy runs out on 8th Jan. (It sounds a bit like a renewal reminder text?)
Thanks Macmaster for this real eye opener of a video
I think you were wrong ringing your insurer before you received your recall letter. It appears to relate to the fact that you read out the bit about not charging near the house hence it being a fire hazard. Yours was just a recall but you decided to jump the gun! You will now have to disclose that you have been refused insurance. The problem is that there are no proper insulation brokers just computer operators.
Sorry, that should have said no proper insurance brokers.
You will also have to tell any other insurers in the future that you have had policies refused/ cancelled… !!
A perfect excuse to cancel your lease.
Worth trying as an option to minimize losses.
At least in the days of steam we knew it had to catch fire in order to move!😂
Nice one Geoff, summed up in a nutshell.
Sell it now, send it to auction and walk away, lesson learned.
Why would he? His ev fail videos have built this channel.
Here in Australia you are required to inform insurance companies if you are aware of a change in risk.
Yes, I wonder if they know its going to be catastrophic fire danger in Kalamunda on Thursday, will drop them a line.
@@davetupling2678What are you on about?
I live in the Perth hills
This is a story for Daily Mail consumer affairs email them.
What if you live in a semi-detached house and your next door neighbour has an EV, will you be able to insure your house?
@@robertfreeman7906 don't tell them
@robertfreeman7906 I cannot believe that you at that gullible 🤣
@@janetcutts7921 SHOULD YOU HAVE ADDED (pike) AT THE END COME ON JOKE
What more proof do you need that EVs are a fire hazard when the insurance companies wont cover them?
Despite what they say about pouch cells EV’s are considerably less slightly to catch fire the liquid fuel cars
@@G8YTZ What "they" tell you is nothing like the truth these days in all walks of life, only the gullible will fall for the EV bullshit.
How can they keep on encouraging and incentivising people to buy electric cars, but then refuse to insure them??
Next be your neighbours won't be able to insure their house because they live next door to person with electric vehicle
I worry constantly as to what is parked outside.
And now you have been refused insurance, you have to tell them you have been refused, as they ask have you ever been refused insurance which you now have
You've out done yourself. This is more depressing than Mansfield town center !
@@Beanerds this is not about EV love. This question is whether he is misleading. He phoned his insurance company and effectively said "my risk has changed", the insurance company did a standard response "call us so we can assess". That is all. Notice the spin thereafter... no one will insure us, EVs are fire risks.
I thought that the limitations on parking the Taycan was only until it had the recall completed ?
Don't forget Lee, one of the questions asked by any insurance company when asking for a quote is, have you ever been refused insurance in the past. Could be awkward when that one crops up!
Not strictly refused, simply not renewed at the end of the contract. Insurance companies are careful not to refuse, usually they will just quote such a lot of money that you won't go ahead.
Most new companies will ask you "Have you ever had insurance refused ?". So this may now cause you new issues with a new insurer potentially putting up your insurance costs. Also if you now know that your car is officially a fire hazard then knowingly parking it near someones house may leave you at a legal risk. Imagine if there was a fire and someone was injured as a result of its placement by you.
EVs and ICE in harmony 😂😂😂
I don't park next to EV and don't want EV park next to me....respect should be mutal = harmony.
Wait there i’ll just go and get my violin. 😂😂😂😂
car is uninsurable and now a known fire hazard so by default totally unfit for purpose so a manufacturer recall and substantial refund is in order
The policy expires in a fortnight.
I said to my missus the day you rang up the insurance company that you should never call an insurance company just to ask a question as they track who you are and it goes down as an enquiry and goes against you when you reinsure and increases your payments, worse thing you can do is cannot an insurance company for no reason
Saw this coming as a Electrician. You might not be able to be insured if your garage is attached to the house.
Business car chargers can’t be mounted on the building now
Independant garages will not repair electric vehicles.
Well that's a load of rubbish. What garage did you take your EV to? I know, I know, you have a mate with and EV who regrets.......😂😂😂😂
You love your EV. All nice valeted and polished then getting the scratches repaired next. Looks beautiful.❤ You must be so proud.
I've never been sooooo glad I can't afford an electric car!!
Interesting video Lee that letter is just a renewal notice for your car which by the way it reads is,going up quite a lot or they are not going to renew it until you phone them,and you just telling everybody about a letter to somebody else’s cars,means you know about the problem and when your house insurance comes up for renewal,they might not let you have your car parked within 50-100 meters,of it because our next door neighbour charges their car on the road but as I said in the original video,you did by reading the letter out you have been informed you and your,videos have got yourself into a bit of a bind don’t worry I had something similar with my pickup,they wouldn’t renew my insurance and I just want with another company 🤣👍👍
So glad I didn’t go electric when I renewed my Cooper S this year - stayed with petrol and I’m going to get another petrol car near the deadline as well - although probably not the same as I’ve got as they’ve lost the plot with them now.
Wow. I seriously thought this would happen when you mentioned the letter. Insurance companies dont like that, a potential firebomb on their hands naturally. Somebody said you cant get a decent second hand car nowadays which is just a few years old. You can, I own one, snd am really glad for it. Really like your jacket. This is ultimately on Porche misselling you that car. They should allow you to trade it in for another car - even if its a hybrid. Great vid, and good look 👍
SO IF YOU MUST NOT CHARGE AN EV ABOVE 80%
AND NOT ALLOW IT TO GO BELOW 20%
THAT LEAVES 60% OF ADVERTISED RANGE
BUT NOT IN WINTER
AND NOT TOWING A TRAILER
AD NOT WITH HEATER ON
@@rumpoh8039 Yes, in the same way as a petrol car you don’t usually run down to empty (although you can if you want to, I regularly run down to 5% when I know I’m ending up at home with a charger)
And you can charge to 100%, it’s perfectly fine, it’s just not advised to charge to 100% and leave it like that for days (and of course if you’re not using the carry would you charge it to 100%)
So much misinformation about EVs, most of it just wrong!
@@rumpoh8039 You can charge NMC batteries to 100% and run down to near zero if necessary but they can be kept in better condition if the 20-80% is practised on a daily basis for shorter distances.
If the batteries are LFP chemistry, you can do it as often as you like.
@rumpoh8039 in exactly the same way that you MUST NOT change your Apple phone above 80% and MUST NOT let it go below 20%! But you do break that rule don't you?
I'm slowly going off YT. I made a comment in the last hour (utterly harmless and basically just info with no url included) and.... IT'S GONE! Wonder how long this comment will last?
Marxists have infiltrated everything.
Probably 2 minutes longer than most of mine
Electric car are dangerous end of story and the insurance should be always sky high to reflect the massive risks involved with them.
Never park ya car next to a EV vehicle.....
Pray that one hasn't parked next to you after you leave it?
🤣
CHANGE YOUR NUMBER PLATE TO DIVVY 👍
🤣
Anyone whom buys and EV now after watching this, must be called Trigger!!!!!
Forget the house insurance, if electric porsches can't be insured that will crater their sales and reputation, the knock on effect is other EV's too....I've seen too many Tesla's on fire too...
Not sure that’s fully correct Lee, they haven’t cancelled your insurance and have not exactly said they won’t re insure you, they haven’t asked you to contact their new business section. I suspect they will still insure you but I also suspect it may cost!!