Send us a text

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

Send us a text

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

Send us a text

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

Send us a text

Car insurance premiums follow a predictable pattern, with costs starting high 30 days before coverage begins, dropping to their lowest point 21-23 days before, then climbing back up as the start date approaches. This timing trick can save you nearly 50% on your premium, particularly important for electric vehicles where insurance costs are rapidly increasing.

• Start checking insurance quotes about 30 days before car delivery or renewal
• The optimal window for lowest premiums is 21-23 days before coverage starts
• Quotes for a mid-range car can drop from £1,100 to £600 during this optimal window
• You don't need the registration number to get initial quotes
• Points on your license significantly impact premiums, especially for performance EVs
• One Tesla owner saw premiums jump from £1,200 to £5,000 after getting three points
• Check policy details carefully including betterment clauses and charger coverage
• Avoid double coverage with home insurance that might already cover charging equipment

If you want to order a copy of the book "Electric Cars the Truth Revealed 2026 edition," go to grahamhilltraining.com where you can pay for and download the current e-book. You will then receive the 2026 edition free of charge once it's launched. You can also pre-order the training course, which will be launched in 2026 at a significant discount.

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

Send us a text

Insurance Premium Tax (IPT) is a hidden cost applied to car insurance products that varies depending on where you purchase them, with dealer-arranged products typically costing 8% more in tax than those bought directly from insurers or independent brokers. This tax difference can significantly impact the total cost of vehicle ownership, yet most consumers remain unaware of this variation or how it affects their purchase decisions.

• IPT is charged at 12% when buying insurance from independent brokers or directly from insurers
• Dealer-arranged insurance typically attracts 20% IPT, except for standard car insurance and financial GAP insurance
• IPT has gradually increased from 2.5% when introduced in 1993 to the current 12% standard rate
• "Free" dealer insurance often leads to attempts to convert customers to full policies, potentially costing drivers up to £2,000 more
• All insurance policies can be cancelled within 14 days for a full refund (minus possible cancellation fees)
• Modern cars already have robust paint protection, making dealer add-ons often unnecessary
• Consider practical coverage like breakdown recovery, especially after manufacturer coverage expires

If you want to receive all of my podcasts, please subscribe either on the channel you found this on or by going to grahamhilltraining.com/podcast. The new 2026 update of my book "Electric Cars the Truth Revealed" will be sent free to those who purchase the current version.

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

Send us a text

Think your car insurance only cares about accidents and repairs? Think again. With electric cars, even a tiny software update could land you with a surprise bill.

In this episode of Electric Car Chat, I reveal the shocking case of Tesla driver Chris Yearsley — charged £94 by his insurer simply for reporting a harmless over-the-air update. Only after public outcry did the company back down.

But that’s just the beginning. You’ll discover:
⚡ Why insurers may demand you report every software update — and what happens if you don’t.
⚡ The cybersecurity risks of wireless car updates, and how hackers could exploit them.
⚡ How connected cars are moving toward automatic payments for tolls, parking, and even fines.
⚡ Your options if you’d rather stick to supervised, wired updates at a service centre.

The digital evolution of vehicles brings incredible convenience — but also hidden traps and new risks. Whether you drive electric or a connected ICE vehicle, this is one episode you can’t afford to skip.

Ready to transition confidently from petrol to electric? Grab my book "Electric Cars: The Truth Revealed" and pre-order my comprehensive training course while it's still available at an introductory price. Subscribe to stay informed about future episodes that will help you navigate the electric revolution with confidence.

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

Send us a text

Most EV owners don’t realise their insurance leaves a gaping hole — until it’s too late. One accident could cost you tens of thousands unless you know how to protect yourself.

In this episode of Electric Car Chat, I uncover the truth about GAP insurance — the overlooked safety net that can save your EV (and your wallet) when disaster strikes.

Here’s what you’ll learn:
⚡ The three types of GAP insurance — back-to-invoice, replacement, and financial — and which one could save you the most.
⚡ Why EV depreciation is different (and riskier) than traditional cars.
⚡ The shocking cost of EV battery disposal: from £600 for a hatchback to over £11,000 for premium models.
⚡ How finance and lease agreements leave owners dangerously exposed.
⚡ The small print you need to know: excess cover limits, waiting periods, and why the “two-day opt-in rule” works in your favour.

Don’t wait until your EV is written off to discover the financial shortfall. Listen now, subscribe, and make sure your electric investment is properly protected.

👉 For more resources, visit grahamhilltraining.com

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

Send us a text

Looking to drive electric but worried about insurance surprises? You absolutely should be.

Navigating electric vehicle insurance presents challenges even experienced drivers don't anticipate. While most focus solely on premium costs (which can skyrocket beyond £5,000 annually regardless of age), three critical coverage areas demand your attention before purchase.

Your home charging equipment represents a substantial investment requiring explicit insurance protection. Whether included with your vehicle purchase or acquired separately, don't assume automatic coverage under existing policies. Damage can occur numerous ways - from children's games to accidental impacts - leaving you with significant replacement costs. Smart chargers and especially bidirectional models (allowing home powering during outages) demand comprehensive coverage through car insurance, home insurance, or dedicated policies. Installation considerations matter too; properties on loop electrical supplies require professional modification before charger installation, with potential implications for coverage.

Charging cables present another insurance blind spot. These essential accessories can cost hundreds of pounds and attract thieves looking for easy resale opportunities. Beyond theft protection, liability coverage becomes crucial when charging in public spaces where passersby might trip over cables. Many policies exclude coverage if reasonable safety precautions aren't taken - details overlooked by most dealers.

Perhaps most shocking is windscreen replacement. While traditional vehicles might cost £400 for replacement glass, electric equivalents reach £2,400 due to integrated technology requiring sophisticated calibration. Industry sources suggest insurers plan to move EV windscreen claims from dedicated glass coverage to general accident coverage - potentially triggering higher excesses and impacting no-claims discounts. Lease customers face additional complications when deciding between chip repair versus full replacement.

Electric vehicles do benefit from lower theft rates, with professional thieves avoiding them due to sophisticated security and dangerous high-voltage components. Surprisingly, street parking might yield lower premiums than garage parking, contradicting conventional wisdom.

Ready to understand what dealers won't tell you about electric car insurance? Subscribe now to ensure you're fully protected before making your EV purchase. Your wallet will thank you.

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