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Thank you so much for downloading this podcast. I can only improve this podcast if I receive feedback so if you like what you hear or have any comments, please email me at graham@grahamhilltraining.com. Oh and please let me know if the email finds its way into your spam box. And please send the link to this podcast to everyone you know who is or may be into electric cars. On to the show notes:

A “cheap” workaround that so many families whisper about can end with a crushed car, an empty wallet, and a criminal record. We’re talking about car insurance fronting—when a parent insures a vehicle in their own name while a young driver is the true main user—and why this common shortcut is outright fraud with consequences that hit hard when a claim lands.

We unpack how insurers actually price risk, why young drivers cost more, and the EV twist that catches many out: instant torque and complex tech push premiums higher and raise claim costs. You’ll hear the uncomfortable truth about what happens when fronting is discovered—backdated cancellations, uninsured driving penalties, court appearances, and a fraud marker that shadows both parent and child for years. We also explain how fronting gets detected, from address patterns and commuting habits to telematics data and shared fraud databases that don’t forget.

Most importantly, we share a clear, legal playbook to cut costs without gambling your future. Choose cars in lower insurance groups with modest bhp and fewer distractions. Understand how evolving safety standards—like Euro NCAP’s push for physical controls—can influence risk. Use telematics to let safe driving earn real discounts, add a parent as a named driver only when it’s genuine, pay annually to avoid interest, quote early to beat price spikes, adjust voluntary excess sensibly, and start building that no claims discount now rather than later. If the first quotes feel impossible, consider driving less, delaying ownership, or mixing in public transport while experience grows.

If you’ve felt pressure to “do what everyone does,” this conversation gives you the facts, the stakes, and the safer path forward. Subscribe for more straight‑talk guidance on electric cars, insurance, and road safety, share this episode with parents who need it, and leave a review to help others find the show. Your support helps more families avoid costly mistakes.

To buy a copy of Electric Cars - The Truth Revealed visit grahamhilltraining.com. If you are interested in sponsoring this podcast or would be interested in working together please visit grahamhilltraining.com/contact

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Free 5 to 7 days insurance offers, meant to smooth the new car registration process, provided by car dealers come with significant hidden risks that could leave you thousands of pounds out of pocket and compromise your personal data privacy. Whether buying an electric or conventional vehicle, understanding these insurance pitfalls is essential for protecting yourself financially.

• Free, fully comprehensive dealer insurance policies often provide only basic coverage with significant limitations
• Personal belongings in your car may have severely restricted cover (as low as £100)
• Windscreens may not be covered, potentially costing £2,400 for electric (and ICE) vehicles
• No-claims discount protection is typically not included in free policies
• Free insurance terms often allow the insurer to share your data globally - the hidden permission is provided by you when you take out the free policy.
• Arranging insurance 21-23 days before delivery can save up to 40% on premiums
• Taking your own comprehensive insurance ensures proper coverage for your specific needs and maintains your no-claims-discount protection.

Visit grahamhilltraining.com to download my book "Electric Cars the Truth Revealed" for just a few pounds. Purchase now and you'll receive the major 2026 update completely free, plus the option to access my upcoming training course at a significantly reduced price.

To buy a copy of Electric Cars - The Truth Revealed visit grahamhilltraining.com. If you are interested in sponsoring this podcast or would be interested in working together please visit grahamhilltraining.com/contact

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Insurance policies for electric cars contain hidden clauses that could cost owners thousands when battery packs need replacement after accidents. Betterment charges—the requirement for owners to contribute toward new replacement parts—are particularly concerning with EV batteries that can cost £20,000-£30,000.

• Dealership staff knowledge about EV implications remain generally poor despite government-endorsed training programs
• Betterment occurs when insurance repairs leave your car in better condition than before the accident
• Insurance companies typically refuse battery repairs, opting for full replacement due to safety concerns
• Older EVs face higher betterment charges as replacement batteries restore capacity and range
• Insurers hide betterment clauses using terms like "like kind and quality" or "pre-accident condition"
• Insurance companies currently pay £1.13 for every £1 collected, suggesting tighter claim controls ahead
• AI tools can help analyze insurance policies to identify potential betterment clauses

Visit grahamhilltraining.com to purchase my book "Electric Cars the Truth Revealed" and receive the updated version free in 2026, plus significant discounts on upcoming training courses.

To buy a copy of Electric Cars - The Truth Revealed visit grahamhilltraining.com. If you are interested in sponsoring this podcast or would be interested in working together please visit grahamhilltraining.com/contact