I was watching a gentleman who had an electric Porsche in the UK on YouTube and he heard owners of these electric Porsches had a letter through after one or two caught fire while charging saying not to charge them close to a house and not to charge them over 80% of a charge.
Due to this he checked with his insurance as his car and his house were insured with the complain who he had been with for over 20 years, and they seemed OK with it as he had not had a letter so they said all was ok. Then a few days later they rang back and said that when his insurances came up for renewal, they would not cover his car or his house.
Since then he could not get house insurance (He owns his house so is not essential) and he had to change to another insurer with a much higher cost.
The issue with electric vehicles is not so much the likelihood that it might happen (There has actually been a statistical cover up in some countries and I know this as one went up near here but they refuse to mention it), but it is more that on the few rare occasions it has happened, one is looking at such a ferocious fire that in the case I know about, it did not just destroy the EV, but took out many campers/caravans with it along with a salesroom, with 60ft high flames and it took 14 fire engines (I thought it was 11 but saw 14 mentioned) a fair few hours to put it out. There was hardly anything left. Yet a few days before I passed and admired their new electric camper van on display, as I saw a lovely little caravan behind. The place is now being rebuilt. Now I can understand motor insurance companies not wanting to take risks, and the issue is for them, while they know through experience the statistical risks of piston engined cars with diesels being much safer than petrol cars, it is the speed and the force of the flames when EV's go up that is the concern. One electric bus went up in London where they had about five seconds to get out. When piston vehicles go up, one usually has time to pull in, get out and retire to a safe distance. The piston engined vehicles which are the worse cases are those running off LPG (Fuel stations have mostly stopped selling it in the UK, as it has been a long time before I heard anyone being able to fill their dual fuel vehicles and their car insurance went sky high after a few exploded on them when they developed a leak), and modern European piston engined cars (Usually German) with highly explosive gasses used in their air conditioning systems which were said to be "Enviromentally friendly"...