As insurance brokers, we understand the complexity of these evolving needs and offer a comprehensive range of insurance options. In this way, we aim to protect our customers against unforeseen events.

This article highlights a few key aspects of charging infrastructure insurance.

Fire policy: Protection of insured property

A fire policy is essential for homeowners and businesses with EV or bicycle chargers. This policy provides cover for damage due to fire as well as damage due to smoke, water or other secondary causes. At D’hondt Insurance, we aim to ensure customers’ peace of mind through comprehensive protection against the financial consequences of fire-related damage, including damage caused by EV charging stations.

Liability policies: Protection against liability claims

In addition to fire risk, it is important to consider potential liability issues due to charging of electric cars and bicycles. Every situation is unique and everyone has different insurance needs. That is why we offer tailor-made solutions to fit our customers’ specific risks and requirements.

Certain practices may be widespread, but that doesn’t mean they aren’t dangerous. For example, people often charge electric bicycles in the garage. This can lead to serious risks such as overheating and fire, particularly in an enclosed space with limited ventilation.

And while many people are in the habit of charging phones by their bed, it is much safer to charge devices on a stable, fireproof surface away from flammable materials.

Some good prevention measures to keep in mind:

• Certified charging stations: Check that your charging station is fully compliant with applicable safety standards and certifications.

• Proper installation: Have charging stations professionally installed by a qualified electrician.

• Location, Location, Location: Ensure proper ventilation for charging stations, preferably placing them outside or in a well-ventilated garage. Avoid charging vehicles in enclosed areas with a greater risk of overheating and fire.

• Suitable charging accessories: Always use the correct charging cables and accessories for your specific car or bicycle.

• Monitoring and checks: Keep an eye on your car or bicycle during charging and stay in control. Check regularly for signs of overheating such as unusual noises or smells, and stop the charging process if needed.

• Firefighting equipment: Make sure there is always suitable firefighting equipment to hand near the charging station, such as a fire extinguisher or fire blanket.

Source: Mike De Puysseleir