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I can't fully insure my Tesla with Aviva!


I’ve bought a Tesla Model 3 LR/AWD (not the Performance model). I’m taking delivery on 29 September. I’ve been driving for 40 years, insured (full comp.) with Aviva since 2010 and never had a claim. Today Aviva tells me it will only offer third party cover on a Tesla. I’ve pressed them on this - no budge. Are you familiar with EVs being harder to insure?


Ray Hennessy

Filed under insurance - Asked by Ray Hennessy (Ennis) - Fri, 17 Sep 2021 15:40

Shane O' Donoghue Answered by: Shane O' Donoghue - Complete Car Advisor - @Shane_O_D


Hi Ray,

We got in touch with Aviva asking in general if there was an issue and we received this rather wishy-washy response:

"There are multiple factors that are taken into consideration by our motor insurance underwriters when providing quotes or determining cover for motor insurance.  Some of the factors that determine our acceptance criteria or the level of cover we provide include the driver’s details and experience, our own claims experience, the car (its make, model, engine size, age, brake horsepower, power to weight ratio etc.), to name a few.  
There are a small number of models from various manufacturers that we may not provide comprehensive cover on and this can be for a variety of reasons.  However, our risk appetite allows us to offer comprehensive cover for the vast majority of cars that are available to purchase in Ireland, which includes various Tesla models."

That doesn't really tell us much. I know that some people in other countries have been quoted high premiums as Teslas are supposedly expensive to repair, but this is the first time we've heard of someone with such a good driving history being refused comprehensive cover.

My advice would be to shop around for an alternative premium elsewhere. Insurers don't reward loyalty in any case so it's something to consider doing every year.

Best of luck with it.

1 response

Hi Shane,

Thank you for your response and for taking the time to check my issue with Aviva. I spoke with Laura Murphy, a Senior Manager at Aviva today. She re-confirmed the decision by Aviva NOT to offer comprehensive insurance on Tesla to anyone. I referred to your message, which she challenged and didn’t accept! I also referred to the irony of an article in Sunday Independent written by an Aviva Investment advisor recommending EVs!

I asked ‘Why’ and she said that they were not required to explain a decision! I need to look elsewhere.

Thanks again for your help.

Regards, Ray

Posted by Ray Hennessy (Ennis) - Tue, 21 Sep 2021 20:09:06

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