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Increase in Anti-EV Media Articles

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Comments

  • Registered Users, Registered Users 2 Posts: 3,995 ✭✭✭McGiver




  • Registered Users, Registered Users 2 Posts: 20,998 ✭✭✭✭Cyrus


    I would be very confident that if you took the average insurance paid by a tesla model 3 or y owner and compared it to an equivalent ice with similar bhp it would be lower.

    there certainly hasnt been any postings from a large number of tesla owners complaining about premiums in Ireland thay I've seen, but maybe you found the one person affected, I wouldn't be surprised.



  • Registered Users, Registered Users 2 Posts: 1,851 ✭✭✭kanuseeme


    Several owners had problems getting insurance, I think its in this thread,

    probably around January or February.

    Its similar to most things in forum, it does not affect me, therefore it never happens,

    keep on rocking, queues, range , depreciation , leaf speed , freezing/sweating, cost of ownership , etc. etc.

    Its all fud, if someone outside a few EVangelists say anything about it, forgotten about if the usual suspects mention it or its a benefit like this little gem I remember reading,

    " Had to queue today for 20 minutes but its nice to talk to fellow EV drivers"

    or this one.

    " had a so nice charging experience just plugged in and got 120 kw, but the first 2 chargers I went to were broken"

    LMFAO.



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    It's a matter of corporate convenience. To the advantage of the company and disadvantage of the consumer. It's up to authorities to curb these anti consumer practices.

    Insurance has been shown time and time again not to pass on savings to the consumer.



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    I don't think insurance premiums are based on fact more the whim of the insurance industry.



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  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    I think antiEV side are guilty of the habit taking anecdotal stories over stats, for confirmation bias.

    Considering the thread title.



  • Registered Users, Registered Users 2 Posts: 7,434 ✭✭✭Allinall


    Fairly sure you’d be mistaken there.

    Premiums are based on statistics, which themselves are facts.



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    If that was true premiums quotes wouldn't vary so enormously with the same company and same car same driver.

    The inconsistency blows any argument is based on costs or such out of the water. Insurance industry been caught out on its own statistics too many times to be credible.



  • Registered Users, Registered Users 2 Posts: 2,558 ✭✭✭RoboRat


    I was reading a blog post from an EV adopter. It was very balanced and highlighted the pros and cons they experienced. The pros mainly focused on the significant cost savings, but the anti-EV brigade got offended for some reason and started the usual nonsense about fires, the environment, battery mining, etc. The article never mentioned anything about environmental comparisons.

    They're like the vegans of the motor world now, which is ironic as they see themselves as the opposite. They can't see a post about an EV and not comment. They see a post and get triggered….MUST POST SOMETHING! Nobody cares if you don't like EVs. Nobody cares about your BS stats and made-up nonsense. The irony is that when the first car was being developed, people said the same about cars and horses!

    ev1.jpg


  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo


    In terms of the anti EV stuff we see.

    In terms of my office, which is small. I was just chatting the other day and someone else mentioned they had just bought a new EV, never owned electric before and was overjoyed with the saving etc so far.

    Then another person also added to the conversation they had swapped a diesel for an electric, they had previously been hybrid but swapped their partners diesel for a new EV, the partner took the hybrid and they have the new car.

    That's just 2 new owners in a small number of people, already a few with electric cars including myself.

    All have said they have moved to electric for cost, easy of use, one had solar and the other planned on installing.

    So goes to show, for all the EV noise about people are still able to look at the options and pick electric.

    Premiums are based on what the insurance companies think they can get away with, I have yet to see a renewal in all my years of driving that after a few calls I can get reduced and as soon as I ring my current insurance company they have no issue with dropping the price

    If it was based on statistics the price would be the price,



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  • Registered Users, Registered Users 2 Posts: 7,434 ✭✭✭Allinall


    It is based on statistics, using algorithms.

    When you phone up, it is only at that stage that any human has an imput into the premium amount.



  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo


    If that was the case then the algorithms, unless preset, would give the actual price. So a human putting in the same data would get the same price.

    You can't say it is based on statistics if the price is variable so much

    If it was the case then calling in wouldn't make any difference, when I call I give them my account number, that's it…I don't change any of the details they already have and they can change the price



  • Registered Users, Registered Users 2 Posts: 7,434 ✭✭✭Allinall


    The algorithm does give the actual price.

    When you get your renewal, there is zero human imput into the figure,

    The person on the phone has a given leeway to adjust the premium, depending on a number of factors.



  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo


    The original post you responded to was the prices are based on the whim of the insurance company, you just confirmed that

    I have called up without ringing anyone else and fired out a price they have matched, or got very close to it

    Plus the margin is never the same, if you could even say they add on 20% till a call that might make sense, but it seems to range in all sorts of margin added onto the quote, pure whim



  • Registered Users, Registered Users 2 Posts: 20,998 ✭✭✭✭Cyrus


    ….



  • Registered Users, Registered Users 2 Posts: 20,998 ✭✭✭✭Cyrus


    did they get insurance or did they not? You only need one insurer last time I checked. As for the rest of your post lmao indeed.

    Your posts are it never happened to me but I'll tell you all about how bad owning an ev is.

    Did an EV bully you at school or something?



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    Some algorithm

    "… There has been a sharp fall in the number and the value of claims paid out by the State’s Personal Injuries Assessment Board.But despite the 16-year low in the value of claims paid out last year motor insurance premiums rose in the last year, according to separate Central Statistics Office figures..."



  • Registered Users, Registered Users 2 Posts: 7,434 ✭✭✭Allinall


    what did it say about the level and value of claims over the past five years, and the estimated value of claims over the next five?

    Because that is what your current premium is covering.

    It’s not surprising, but most people haven’t a clue how insurance works.



  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo




  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    I dunno what algorithms, you've written but the one's I write don't vary by 1000% with the same parameters.

    Imagine ordering a coffee and every time you ask for the same thing you get a insanely different price.

    But yeah its because I don't understand how insurance works lol.



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  • Registered Users, Registered Users 2 Posts: 2,558 ✭✭✭RoboRat


    Well, that's not really correct. Insurance premiums are based on risk, the market, government policy, and profitability.

    Risk uses the algorithm by analysing the likelihood of making a claim using your past performance, your experience, your excess, and the general risk statistics.

    The market relates to the overall insurance market because insurance companies leverage profits from one market to cover losses from others. It also must offer somewhat competitive quotes, so analysing what the competition offers is vital.

    Government policy includes taxes, levies, and initiatives such as community lifetime rating. It can also affect the premium if the government starts putting the squeeze on the insurers to lower premiums.

    Profitability… Like casinos, the house never loses. Insurance companies are purely focused on squeezing as much profit as they can. If one sector is losing money, they cover the losses from other sectors. If the risk is not worth the return, they pull out or offer outrageous quotes.

    There are other factors, but they're just the main factors IMO.



  • Registered Users, Registered Users 2 Posts: 1,851 ✭✭✭kanuseeme


    It starts around here and goes on for the next few pages about insurance,

    Of course it will never happened to me, I can read everyone's posts here and apply them to my own needs.

    Nice that you mentioned EV bully, have you got a club or something?

    I would suggest instead of shadowing me, go help this guy,

    It was one of my primary reasons not to go EV, obviously he listen to the usually guff and now has to figure out what to do.

    Some really helpful suggestions, like drive 50 km out of the way to a charger, or slow down,



  • Registered Users, Registered Users 2, Paid Member Posts: 38,093 ✭✭✭✭Hotblack Desiato


    What's it to you? Nobody is making you buy an EV.

    I'm partial to your abracadabra,

    I'm raptured by the joy of it all.



  • Registered Users, Registered Users 2 Posts: 20,998 ✭✭✭✭Cyrus


    Yes and if you read it its a mix of people struggling to get an initial quote (and then ultimately getting sorted) and people saying they couldnt insure a fiesta any cheaper. Whats your point again?

    As for shadowing you thats the kettle calling the pot black, i see you thanking any post that disagrees with me, your obsession is odd, i only engage with you when you post nonsense (more than id like then)

    Finally the obvious answer to the poster that needs help is to charge on the way to the airport so the car is near full when he gets back, even you could have figured that out surely? You can go post that as a response be helpful for a change.



  • Registered Users, Registered Users 2 Posts: 13,882 ✭✭✭✭prawnsambo


    Some really helpful suggestions, like drive 50 km out of the way to a charger, or slow down.

    Nobody suggested driving 50km out of the way. They suggested stopping 50km from the airport to top up. In Enfield. And it's not the worst suggestion either. You're catching the charge curve at its highest and can do the same on the way home. That way you minimise the time charging. And dropping your speed by 10kph costs you ten minutes. Not exactly significant.



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    The insurance renewal on my ICE and EV came in recently and they are on par with each other. Like within 5-8% of each other. They are relatively similar in terms of performance. But very different in age and value.



  • Registered Users, Registered Users 2 Posts: 15,052 ✭✭✭✭Flinty997


    The issue is you're trying to explain to someone with no experience of an EV or charging that you do it differently than an ICE. They are just going to keep arguing with you because they don't understand.

    The idea of topping up in the fast part of the battery or driving to suit the Journey or topping up on both legs rather than 0-100% they can't get their head around. They don't want to understand either.



  • Registered Users, Registered Users 2 Posts: 13,882 ✭✭✭✭prawnsambo


    They're missing all the fun though. Best part of owning an EV is the planning bit.



  • Registered Users, Registered Users 2 Posts: 20,998 ✭✭✭✭Cyrus


    Not quite the insurmountable issue you are trying to make it out to be

    Untitled Image


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  • Registered Users, Registered Users 2 Posts: 2,558 ✭✭✭RoboRat


    Range anxiety… do most people travel 300km plus a day? That's 78,000km per year based on a 5-day working week (x 52 weeks) - the national average is 19,893km (combined for petrol and diesel). Most new EVs can do 300km on a full charge easily. The reality is that range is not an issue for most people if they can charge at home.

    The holiday comment is an outlier, I have seen tons of EVs in Dublin airport so a lot of BEV owners don't have a problem. Also, with a little planning, it's not an issue.

    Battery degradation - the average annual battery degradation is 2.7%. Therefore, after 10 years you will have lost 27% on average. ICE cars also degrade due to carbon build-up and they will lose power and efficiency - nobody seems to want to talk about that! ICE cars also have around 90% more moving parts than a BEV. More parts = more maintenance, more replacement parts, and more things to fail. ICE cars also need regular servicing and many diesel engines develop problems with the DPF because they are being used for purposes that are not suitable for a diesel engine - such as frequent short spins.

    Higher insurance - my insurance went from over €600 on a 2L diesel to €305 on my BEV. I have step back and protected NCB so I have better cover for around half the price. My tax went from nearly €700 to €120.

    Terrible resale value - I agree, but a lot of that is down to the FUD, in my opinion.

    Patchy charging infrastructure - I can charge my car at home… can an ICE owner fill up at home? I have used public charging 3 times in a year and many other BEV drivers are the same. I agree the infrastructure could be better, but it's not as big a deal as it's made out to be. Charging at home is a game-changer though.

    Multiple apps / charging cables - Come on, you're scraping the barrel there.

    Price of EVs - They used to be very expensive but they're getting more affordable. My MG long-range was cheaper than an entry-level VW golf.

    They aren’t convinced with EV yet. I think a lot of the articles seen as being anti-EV are simply stating the above.

    Therein lies the problem. The articles are not accurate and in many cases, they cherry-pick what suits their agenda, or what will generate the most clicks… or they're just lazy copy-and-paste jobs with no real research.



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