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‘The quotes were £5,000 or more’: electric vehicle owners face soaring insurance costs
(www.theguardian.com)
this post was submitted on 30 Sep 2023
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It is relevant because Florida has the highest car insurance rates in the entire US https://www.bankrate.com/insurance/car/states/#car-insurance-rates-by-state
It should be relevant to anyone in the UK by using it as an upper bound for what their rates should be. Why would car insurance be higher in the UK than in Florida? The UK doesn't even have any natural disasters.
So the point I'm making is that having a non-Tesla EV in Florida doesn't even put my insurance rates above the average in my state, so the article's claim that EV's would add an EXTRA £5000 to an insurance policy in the UK is ridiculous.
You seem to be assuming that the increased expense and slow repair times are to do with natural distasters, rather than differences in the labour market, spares availability, infrastructure and a hundred other economic and societal differences
Except car insurance is dearer in the UK than Florida, in fact I was shocked by how expensive insurance here was compared to the other countries I've lived in (including the US).
I'm not an actuary but I do know there are a lot more parameters to come to an insurance cost than "number of hurricanes"