Where the traction battery is owned under a separate lease, the vehicle and battery can have different legal ownership. That arrangement is relevant where the insurer asks about ownership, finance or the items it is insuring.

How insurers commonly treat this

• Some older electric-vehicle finance arrangements separate battery and vehicle ownership.
• The battery lease agreement can impose insurance requirements.
• A registration lookup may not explain the separate battery ownership.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.