Remember that there have been significant insurance premiums increases this year and Motability pick up the tab for all sorts of drivers, all from the £77.05pw( PIP)
Young drivers
Drivers with several claims
Drivers living in high claim areas.
Drivers driving high insurance group cars
Also the increasing use of writing EV ‘s off in the event of a crash. Many articles on this and the consensus seems to be that insurance companies do not wish to entertain future , perhaps very high claims in the event of a vehicle fire due to undiscovered battery damage. They are happy to leave that to other insurers if the car is put back on the road.