HV Battery Insurance UK?

[smoothound]

I think HV batteries will typically still be viable (albeit reduced power) for 10-20 years.. the 8 year limit being conservative...

I saw a post here from someone in the USA offering HV battery insurance, subject to the car being covered by MFRS extended warranty. Has anyone in the UK investigated the potential for insurance cover for the HV battery after the Porsche 8 year/100,000 miles is reached?

Is it possible? .....Expensive? - I guess you would have to show a properly derived SoH to check acceptance, to set the new degradation limit - and to calculate premium? (all quite complex).

Would the cover replace entire HV rack with latest gen version? .....or perhaps just replace individual 'failed/faulty' modules? I also assume HV a battery failure due to externally inflicted damage would not be covered....

Any info or links on this topic? I did search, but couldn't find such cover for Taycan in UK - most results were more explaining battery insurance cover for accidents etc . ...I imagine there will be a lot of takers for such a product, if the premium/coverage was OK - so I guess supply will meet demand?

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[W1NGE]

I think HV batteries will typically still be viable (albeit reduced power) for 10-20 years.. the 8 year limit being conservative...

I saw a post here from someone in the USA offering HV battery insurance, subject to the car being covered by MFRS extended warranty. Has anyone in the UK investigated the potential for insurance cover for the HV battery after the Porsche 8 year/100,000 miles is reached?

Is it possible? .....Expensive? - I guess you would have to show a properly derived SoH to check acceptance, to set the new degradation limit - and to calculate premium? (all quite complex).

Would the cover replace entire HV rack with latest gen version? .....or perhaps just replace individual 'failed/faulty' modules? I also assume HV a battery failure due to externally inflicted damage would not be covered....

Any info or links on this topic? I did search, but couldn't find such cover for Taycan in UK - most results were more explaining battery insurance cover for accidents etc . ...I imagine there will be a lot of takers for such a product, if the premium/coverage was OK - so I guess supply will meet demand?

Cheers

Not a thing yet in UK and most folk will trade on well before 8 years (or mileage limit).

I suspect that premiums would be quite / prohibitively high and the policy full of caveats. to make it non viable for most.

The value of the car at that time would also be an issue and likely be disproportionately less than the cost of an HV battery replacement and installation.

Telling will be if Porsche dealers offer cars for sale when at the limit as these vehicles would require a warranty for sale. My guess is that they won't.

Agree that the battery will still be serviceable but the car sold on a buyer beware basis only.

Taycan was launched 2019 and so the tipping point is not that far away.

My random thought is that J1.1 cars up to 2024 will be quietly scrapped due to the problematic nature of many and that J1.2s will have some future plan which may come with some extended warranty on the HV battery.

There's a business model there forr sure but not for the faint hearted.

Perhaps Porsche see recycling at 8 years as the main path.

 

[smoothound]

This makes sense in purely practical & financial terms -

It's not just Porsche with an 8 year limit on HV battery life cover - most mfrs the same - and most new cars are EVs - so scrapping all electric cars at 8 yrs? Political implications - physically dealing with the waste? sustainability? social exclusion? (have to be super rich to own a car because depreciaition is free-fall to zero in 8 years)... govt policy encouraged people to adopt a super-cost mobility path -

mebbies next gen battery technology will sort this - but there is a hell of a bump in the EV road ahead

It will be interesting to see how this pans out

 

[Redbaron73]

I think what we are seeing is countless new businesses opening up that will service and maintain HV packs. When all is said and done they are not complicated engineering really - certainly compared with a PDK transmission. There are countless stories appearing. The advantages of so much repeatble tech in EV's is they will once more jump in to the market have a thriving aftermarket setup just like we see for ICE Porsche now. There are people remapping them, there are people re batterying ( new word) Leaf / I3 / Tesla its only a matter of time. Even Porsche is using J1.2 modules in J1.1 battery repairs. One of the more inventive I have seen is using much newer Mini EV cells in old I3 doubling their range.

As much as we pretend not lots of VW tech inside our Porsche EV's (witness what is basically ID3 ID light in Macan EV ) Am sure in terms of the HV more and more commonality will surface. Appreciate this doesnt directly answer the ins option but willing to bet one of these specialists develops their own plans....

 

[W1NGE]

I think what we are seeing is countless new businesses opening up that will service and maintain HV packs. When all is said and done they are not complicated engineering really - certainly compared with a PDK transmission. There are countless stories appearing. The advantages of so much repeatble tech in EV's is they will once more jump in to the market have a thriving aftermarket setup just like we see for ICE Porsche now. There are people remapping them, there are people re batterying ( new word) Leaf / I3 / Tesla its only a matter of time. Even Porsche is using J1.2 modules in J1.1 battery repairs. One of the more inventive I have seen is using much newer Mini EV cells in old I3 doubling their range.

As much as we pretend not lots of VW tech inside our Porsche EV's (witness what is basically ID3 ID light in Macan EV ) Am sure in terms of the HV more and more commonality will surface. Appreciate this doesnt directly answer the ins option but willing to bet one of these specialists develops their own plans....

I can see this happen too where indies carve a niche but the issue i have is the overall warranty position on such a repair.

ICE is simple and been around for a century or more. EVs by their nature are more complicated and the risk of something going wrong higher.

Modding a Porsche EV today (UK) will invariably alter the warranty and in extreme cases rendering it worthless. Testing of alternative components will be superficial at best and again given the nature of EVs, safety concerns are much greater. Insurance therefore becomes a challenge and a likely higher expense.

Until solid state batteries become a reality then things are likely to stay the way they are but conceivably a much higher mileage warranty and age limit will be possible - e.g. twice as long.

 

[Redbaron73]

As with ICE remaps it will be down to vendors to provide their own ins backed warranty to cover their mods.. Or it will be a risk born by the vehicle owner who chooses the mods i guess. On a near new 100K - 150k car i suspect few will participate. At 40k used some may have the balls to dabble.

It will be choice - modules fail. Proving why except in case of visible damage will be near impossible. I do suspect marque independent HV battery pack specialists will overt the next 20 years be money makers - like PPF / Wrap and wheel refurbs have been. It will become everyday.

 

[prj]

It's not just Porsche with an 8 year limit on HV battery life cover - most mfrs the same

The reason there is 8 years is because it is required in the EU and US by regulations when selling BEV. Not because any of these manufacturers are feeling generous.

 

[Taycan4S_UK]

"Not a thing yet in UK and most folk will trade on well before 8 years (or mileage limit)."

Maybe for buyers who purchased new. I don’t see the Taycan as a disposable product. Given what’s happened with Tesla, I expect more opportunities for third parties to service EV batteries. The EV market is still growing, likely just more slowly in the EU/UK/US.

 

[smoothound]

The reason there is 8 years is because it is required in the EU and US by regulations when selling BEV. Not because any of these manufacturers are feeling generous.

I was not welcoming the 8 year cover as a benefit... that would be silly.

I make the point that it's not just cars from Porsche that face an 8 year cover-lifespan - but this affects EVs from almost all EV MFRS. So around half of all cars. And its actually less than 8 years notional value for the 8 years cover - since who wants to buy a car with only 1 or 2 years left of the battery cover, where it could cost tens of K to replace and no insurance cover is possible.

 

[Redbaron73]

I think you over egg the problem there. Nobody is going to buy a full battery pack from Porsche at full rate. The whole pack wont fail - a module or two may do. Specialists can repair / replace modules easily. The insurance market for warranty just needs to catch up. Nobody writes off a Model S or older EV's just because out of battery warranty. You wouldn't buy a factory "crate" engine for a 968 just because the head gasket needed doing?

 

[smoothound]

I think you over egg the problem there. Nobody is going to buy a full battery pack from Porsche at full rate. The whole pack wont fail - a module or two may do. Specialists can repair / replace modules easily. The insurance market for warranty just needs to catch up. Nobody writes off a Model S or older EV's just because out of battery warranty. You wouldn't buy a factory "crate" engine for a 968 just because the head gasket needed doing?

Thats encouraging Paul - thanks. I guess there comes a cross-over point where keeping the Porsche extended warranty alive is simply not worth the cost, and you move over to conventional independent specialist support.

 

[chun]

Porsche approved warranty in UK does, since 2025 Q2/Q3, cover the battery - several people posted their policy explicitly mentioning the HV battery being covered.

Of course, nobody has actually gotten to test what is actually covered.

And with Porsche sneakingly categorizing all HV battery errors in their diagnostic software as: "aging related issue" - which are explicitly not covered by the porsche approved warranty - it is very likely that actually nothing will be covered Remains to be seen in Q4 2027.

This addition of "aging issue" was added as part of the recall for the manufacturing defect of cells covering all taycans sold until Q3 2024. So porsche covered their ass of blame post warranty, if a battery breaks due to a manufacturing defect, they can say it was just "aging defect" because the diagnosis software they coded says so Would expect someone to sue eventually.

 

[smoothound]

Porsche approved warranty in UK does, since 2025 Q2/Q3, cover the battery - several people posted their policy explicitly mentioning the HV battery being covered.

Of course, nobody has actually gotten to test what is actually covered.

That's great news Chun - I missed those posts and they didn't figure in my searches.

 

[Fish Fingers]

Looking into this a bit more from a legal viewpoint its all quite interesting.

As mentioned previously, the 8 year / 100k warranty at 70% is mandatory.

The 2026/27 EU battery passport regs will have a big impact.

Also worth noting the secondary market is now starting to get its act together.....
https://hevra.org.uk/ev-garages-near-me/

"The law focuses on ensuring independent garages have the same access to diagnostic software, spare modules, and repair manuals as the official dealerships. This prevents manufacturers from having a monopoly on repairs."

 

[Nickj]

Porsche approved warranty in UK does, since 2025 Q2/Q3, cover the battery - several people posted their policy explicitly mentioning the HV battery being covered.

Of course, nobody has actually gotten to test what is actually covered.

And with Porsche sneakingly categorizing all HV battery errors in their diagnostic software as: "aging related issue" - which are explicitly not covered by the porsche approved warranty - it is very likely that actually nothing will be covered Remains to be seen in Q4 2027.

This addition of "aging issue" was added as part of the recall for the manufacturing defect of cells covering all taycans sold until Q3 2024. So porsche covered their ass of blame post warranty, if a battery breaks due to a manufacturing defect, they can say it was just "aging defect" because the diagnosis software they coded says so Would expect someone to sue eventually.

When you say Porsche approved does this include Porsche extended warranty? Do you have link to this detail?

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