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We unpack the EV insurance exclusions most drivers miss, from tyres and OTA updates to towing rules and touchscreen distraction, and show how contributory negligence shrinks payouts. Practical steps, real examples, and a checklist you can act on today.

• standard exclusions that still apply to EVs
• maintenance proof, battery health checks, software updates
• declaring OTA performance changes to insurers
• EV-rated tyres, grip loss, and negligence risk
• correct recovery and towing limits, warranty gaps
• water ingress, wading depths, and write-offs
• unauthorised battery repairs and modification disclosure
• business use accuracy, mileage truthfulness, hire and reward
• cyber attack and software failure exclusions
• highway code breaches and touchscreen distraction evidence
• home chargers charging cable safety and third party liability
• wear and tear, pre-existing damage, and documentation
• final checklist for staying covered

We also cover the situations most owners meet only when it’s too late: recovery crews towing with wheels on the road instead of flatbedding, towing caravans without confirming policy and warranty terms, wading into flood water beyond the car’s depth, and commissioning unauthorised battery repairs. Add modern risks like cyber exclusions and software failures, plus the evidence trail from data logs and dash cams when insurers assess touchscreen distraction, and the case for disciplined habits becomes obvious. Route charging cables safely to avoid trip claims, be honest about mileage and business use, and keep meticulous records.

By the end, you’ll have a working checklist: maintain by the book, keep receipts, declare meaningful updates and mods, verify towing rules in writing, fit EV-rated tyres, avoid deep water, secure charging setups, and match your policy to how you actually drive. If this helped, follow the show, share it with an EV driver who needs a reality check, and leave a quick review so more people can protect their cover.

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