mdzmura
Posts: 3
Joined: Sat Feb 08, 2014 11:07 am

Insurance Cancelled - Reason: unacceptable vehicle!!

Sat Mar 19, 2016 10:42 pm

Hello, Fellow FFE Friends,

I just received a notice of non-renewal of my policy for just one of our two cars - the Ford Focus Electric. I have been insured with this company for over a decade, and have had the FFE insured with them for 18+ months.

Here is the exact text of the reason:

"THE REASON FOR NONRENEWAL IS the Ford Focus, VIN #xxxxx, is an electric car and is considered an unacceptable vehicle."

WTF ??? Knock me over with a feather !!

The company in question is the former Unitrin, now the direct/internet group of Kemper insurance. Of course I will follow up with the PA Insurance Commissioner as they suggest, to "review this action". In the meantime I probably need to find a new insurance company, and would love to hear any positive info on companies that will insure the FFE.

A bit of googling did not reveal much useful information on problems getting insurance for electric vehicles, but I did find these two items:

* Apparently GEICO will not insure electric cars in HAWAII ?? Go figure.
* I found a PDF of a vehicle rate book for Paramount Insurance in Maryland - it listed electric vehicles as one of 19 types of vehicles that they would not insure.

I've also searched this forum and haven't been able to find any comments on insurance problems with EV's.

If anybody can shed any light on this situation, I'd greatly appreciate hearing about it. I took the notice out of the mailbox Friday evening, so haven't even had a chance to talk to the insurance company yet.

Thanks,
Mark
2012 Ford Focus Electric Tuxedo Black

TomEV
Posts: 61
Joined: Sun Feb 28, 2016 7:03 pm
Location: Cypress, CA

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Sun Mar 20, 2016 6:34 am

That is really strange. My FFE is insured with State Farm. There were no issues. You might try Amica. They are consistently rated one the best insurance companies for customer service and price.
2016 FFE Ruby Red

michael
Posts: 1113
Joined: Sun Sep 22, 2013 9:55 am
Location: Los Angeles, CA

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Sun Mar 20, 2016 6:42 am

This is just a guess, but insurance companies will generally only accept risks that they understand well enough to assess. They may feel the car is uncommon and sufficiently different than the cars they are used to that they don't want to bother to assess the actual risk and therefore simply say "no".

State Farm gave me insurance without hesitation however it I is more expensive than an ICE Focus.
2013 FFE Returned after 3 years with 52,000 miles and battery down to 15.2 kWh
2014 Volt returned with 43,000 miles
2014 Volt 26,000 miles
1967 Corvette 427
1962 Corvette 327
Awaiting a Bolt

SpecVStrom
Posts: 33
Joined: Thu Aug 21, 2014 9:51 pm
Location: SF North Bay

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Sun Mar 20, 2016 8:25 pm

Interestingly, I am also in CA and also with State Farm.
I've been with them a long time with auto and homeowner's insurance.
I had them email me an official insurance quotation before leasing the FFE in August of 2014. And, like the others, it was no problem.
One of the few, un-negative things about living in California.
Not sure what's going on there in PA.
2016 Ford Focus Electric (purchased 11/17/18 had 2,346 original miles)
2014 Ford Focus Electric (Lease returned 8-16-2017, now in Amman Jordan)
2014 Triumph Tiger Explorer
2009 Suzuki V-Strom 1000
2003 Nissan Sentra SE-R SpecV

Kakkerlak
Posts: 122
Joined: Fri May 16, 2014 7:39 am
Location: Seattle, WA
Contact: Website

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Mon Mar 21, 2016 12:42 pm

I'm in Washington State and have had my FFE insured both with MetLife Auto and now with Safeco.

I agree it's a bizarre thing to not want to underwrite an electric vehicle. It's not the same as providing warranty coverage.

EV's tend to have excellent traction control and tend to be driven by responsible adults are reasonable speeds. They're nearly impossible to steal, and they don't carry gallons of explosive liquid fuel.

I figure write them a not saying you won't miss them, and go find another insurance company.
2014 Focus Electric Ice Storm Metallic
2012 Kalkhoff Pro Connect Electric Bicycle
http://bigwoo.myevblog.com

focussed
Posts: 49
Joined: Tue Oct 07, 2014 3:41 pm

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Thu Mar 24, 2016 12:24 pm

I am in California and insure with Ameriprise. They didn't blink when I added FFE to my stable and under Ameriprise insurance.

JimB_FFE
Posts: 84
Joined: Sat Sep 29, 2012 11:21 pm
Location: Palo Alto, CA
Contact: Website

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Fri Apr 22, 2016 5:28 pm

I'm with Farmer's in California. They gave me a discount for having an EV.
2015 Magnetic
Delivered 7/15/2015
Dealer: Frontier Ford - San Jose, CA
Home EVSE: ChargePoint Home
www.chargepoint.com/home

Olagon
Posts: 168
Joined: Thu Oct 23, 2014 7:57 pm

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Mon Apr 25, 2016 12:25 pm

mdzmura wrote: * Apparently GEICO will not insure electric cars in HAWAII ?? Go figure.
Not true. Have been driving electric since a 2012 iMiev and now a 2014 FFE. Both cars were insured no problem with Geico. I'm in Hawaii. In between I switched to State Farm (bad move) and then moved back to Geico (good move). My State Farm agent convinced me to move and they were going to jack up my rates. Geico took us back no problem.
- 2014 FFE Tuxedo with leather charged via home PV

Previous eco cars
- 2012 Mitsubishi iMiev
- 1995 Black Benz E300D running biodiesel
- 1995 Green Benz E300D running biodiesel

Next eco car
- Seven seat SUV all electric < $50,000

breeves002
Site Moderator
Posts: 105
Joined: Sun Sep 06, 2015 9:56 am
Location: St. Louis, MO

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Tue Apr 26, 2016 8:37 am

I have USAA here in MO. Fairly expensive, but I have low deductibles and they just have amazing customer service... I mean my comprehensive deductible is $150 so I make a claim when I get a scratch... Door repaint $900. My cost $150. Rates don't go up.

They acted like it was any other car when I added the car to my policy. I've had them since I got my learners permit.
2014 FFE Tuxedo Black - Leather - EV ST
2016 Mustang GT Premium - Performance Package - 401A - 2018 Digital Cluster

JimB_FFE
Posts: 84
Joined: Sat Sep 29, 2012 11:21 pm
Location: Palo Alto, CA
Contact: Website

Re: Insurance Cancelled - Reason: unacceptable vehicle!!

Tue Apr 26, 2016 12:07 pm

https://www.farmers.com/faq/discounts/

What kinds of Auto insurance discounts does Farmers offer?
Farmers offers many Auto insurance discounts to help keep your auto insurance premiums as low as possible. Discounts vary by state. Some of the types of discounts available include:

Auto/Home: You can save money on both auto and homeowners insurance by purchasing both of these policies from Farmers.
Good Student: Drivers under 25 years of age who are full-time students in high school or college and have good grades may qualify.
Multi-Car: If you own two or more vehicles and insure both of them with Farmers, you may qualify for the Multi-Car discount.
Alternative Fuel - Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages.
2015 Magnetic
Delivered 7/15/2015
Dealer: Frontier Ford - San Jose, CA
Home EVSE: ChargePoint Home
www.chargepoint.com/home

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