Timi: EV owners — I’m researching a startup and need your honest experiences with insurance

[mahoganyaw]

Hey everyone! I’m working on early research for a possible EV-related startup, and I’m trying to understand the real pain points around insurance from actual owners.

This isn’t a pitch and I’m not selling anything — I just need to learn what’s true before I build anything.

If you own a Tesla or any EV:

• What’s been the most frustrating part of dealing with insurance?
• Have you ever had a small repair or minor damage that you just paid out of pocket instead of filing a claim?
• If you have filed a claim, what took the longest or caused the biggest headache?
• Do you worry about premiums going up if you file something small?
• And overall: does EV insurance feel fair, or kind of unpredictable?

I’m in the “figuring out the problem” phase and would really appreciate any honest experiences or examples.
Thank you for your insight!

 

[Elsiester]

Hey everyone! I’m working on early research for a possible EV-related startup, and I’m trying to understand the real pain points around insurance from actual owners.

This isn’t a pitch and I’m not selling anything — I just need to learn what’s true before I build anything.

If you own a Tesla or any EV:

• What’s been the most frustrating part of dealing with insurance?
• Have you ever had a small repair or minor damage that you just paid out of pocket instead of filing a claim?
• If you have filed a claim, what took the longest or caused the biggest headache?
• Do you worry about premiums going up if you file something small?
• And overall: does EV insurance feel fair, or kind of unpredictable?

I’m in the “figuring out the problem” phase and would really appreciate any honest experiences or examples.
Thank you for your insight!

As I navigate this research phase and coordinate calls with owners, I've been relying on https://planch.io/solutions/online-booking to keep my interview schedule organized without the usual back-and-forth emails.

I do not understand why the legacy insurance APIs are so restrictive when it comes to real-time battery health data. For my platform, I need to know if you have found any insurance providers that are actually willing to adjust premiums based on SoH metrics, or are they still just looking at the odometer and the driver's age? Since you are digging into the unpredictable side of these costs, have you come across any specific data points that insurers are begging for but current EV owners are unable to provide easily? Thanks.