The facts about EV charging and insurance

Insurance considerations for property managers

Our experience shows us that the fire safety rating and overall condition of a building are the main factors insurers look at when assessing risk. Adding EV charging doesn’t change that, but is one part of a bigger picture. Buildings that already meet safety standards will generally be well-placed to add chargers without causing any insurance concerns or premium increases.

Insurers tend to look for installation to be carried out by accredited and qualified professionals, which reduces operational risk and reassures them that the infrastructure will be installed inline with all appropriate regulations and guidelines. Maintenance of the equipment is expected to be upheld to a high standard, as with any electrical infrastructure, and therefore ongoing inspections and services are vitally important. This is an important point to note; as often EV chargers are installed by competent professionals – but without any ongoing maintenance contract or schedule in place. Maintenance should be coupled with thorough reporting processes, ensuring that the chargers will remain safe and functional over time.

In some cases, insurers will prefer there to be a single responsible party overseeing EV charging infrastructure throughout a portfolio to ensure consistency in installation quality, maintenance, documentation and reporting processes. This is particularly relevant when insurance premiums are managed and paid on a portfolio basis. 

One way to easily tackle these initial challenges is by utilising end-to-end EV charging services from companies like ChargeGuru, who handle everything from installation to ongoing maintenance, helping to enable insurer-aligned consistency and efficiency.

Why property owners should engage early with insurers

Getting your insurer involved early, ideally during the planning and installation stages, can make a real difference. It’s not just about ticking boxes, it's about ensuring the right protections are in place from the start, keeping all stakeholders accountable. Being open about your building’s fire safety rating, using qualified installers and having a clear maintenance plan shows you’re serious about managing risk, and insurers are more likely to reward that with better support and better coverage.

The benefits of installing EV charging 

Installing EV charging in apartment blocks and office buildings adds tangible value for both tenants and property owners. It supports the shift to greener transport, makes the property more attractive to tenants and helps to futureproof the building as EV adoption grows. For freeholders and property managers, it’s also a practical way to stay competitive in a changing market. With proper planning and risk management, the long-term benefits far outweigh any insurance-related concerns.

With careful planning, professional installations and regular upkeep, EV chargers are a safe, insurable and value-adding upgrade to any property. If you choose a fully-funded solution – such as the one offered by ChargeGuru – you can have all the benefits, without additional cost. By treating EV infrastructure like any other building system and engaging insurers early, freeholders and property managers can support the UK’s inevitable transition to e-mobility without adding unnecessary complexity to their insurance strategy.

Denis Watling, Managing Director of ChargeGuru UK