The short answer
A fitted EV charger is a building fixture and is covered for the same perils as the rest of the property — storm, fire, theft, impact — provided it is disclosed and your rebuild cost reflects it (add £800–£1,500). Damage to the EV being charged is on your motor policy, not home.
Frequently asked
- Do I need to tell my insurer?
- Yes — undisclosed structural fittings can trigger the non-disclosure remedy under CIDRA 2012.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription