Secure protection for your charging station
Comprehensive protection for your wallbox: Safeguard yourself against damages and liability claims. Discover the wallbox liability insurance from nextsure, your digital partner for niche insurance.
Covers property and personal damage
Protection against user errors
Including surge damage
Why Wallbox Liability Insurance is Indispensable
Protection against financial risks
Protection against high damage costs
Fulfilment of Due Diligence
Hassle-free Charging at Home
What risks are covered by the wallbox liability insurance?
The liability insurance for wallboxes from nextsure offers comprehensive protection specifically tailored to the risks associated with operating a private charging station for electric cars. It generally covers damages to the wallbox itself, such as those caused by operating errors, vandalism, water, or overvoltage. Furthermore, damage to the charging electric vehicle caused by a malfunction of the wallbox is insured. A central aspect is the liability cover: if your wallbox causes damage to third parties – whether personal injury or property damage – the insurance steps in. This is particularly important because standard policies such as personal liability insurance or home insurance often cover these specific risks insufficiently or not at all. It is advisable to carefully check whether damages caused by installation errors or indirect lightning strikes are included in the coverage to avoid unpleasant surprises and optimally tailor the insurance protection for your wallbox.
Our services for your Wallbox
Your comprehensive protection for e-mobility at home
Property damage
Protection against damage or destruction of your wallbox due to insured risks.
Liability Insurance
Protection against personal injury, property damage, and resulting financial losses to third parties.
Operational error
Cover for damage to the wallbox or the vehicle due to improper handling.
Surge
Protection against damage caused by lightning, power fluctuations or short circuits.
Theft protection
Insurance coverage in case of theft of your permanently installed wallbox.
Vandalism
Protection against willful damage to your charging station from external sources.
Online Degree
Insure your wallbox quickly and easily in just a few minutes, all digitally.
Excellent advice
Our niche experts provide you with expert support for all your protection-related questions.
Fair Contributions
Transparent costs and tailored tariffs for your optimal wallbox insurance coverage.
nextsure offers tailored protection for your private charging station – digital and comprehensible.
Charge safely,
calmly on the go.
Typical Damage Cases with Wallboxes and Their Financial Consequences
Private charging stations are a convenient solution for electric car owners, but they involve specific risks that can lead to significant financial consequences. A common issue is a technical fault or short circuit in the wallbox, which can cause a fire with potentially devastating effects on the building and parked vehicles. The costs can quickly reach five to six figures. Overvoltage damage from lightning strikes or fluctuations in the power grid can also destroy the sensitive electronics of the wallbox and the connected electric car, necessitating expensive repairs or complete replacement. Operational errors, such as incorrectly connecting the charging cable, can cause damage to the plug, charging port, or the wallbox itself. Damage from vandalism or theft, especially with freely accessible wallboxes, should not be underestimated. Without specific wallbox liability insurance, you often bear these significant financial burdens yourself.
Wallbox insurance: Is it included in the building or home contents insurance?
Many electric car owners mistakenly assume that their wallbox is automatically covered through their existing residential building or household contents insurance. However, this is often a misconception and can lead to unpleasant surprises in the event of a claim. While the residential building insurance does cover parts that are permanently connected to the building, the specific risks associated with a wallbox, such as handling errors, resulting damage to the vehicle, overvoltage damage to the vehicle, or third-party liability claims, are often not or only insufficiently covered. Theft of the wallbox is also not always included. Household contents insurance, on the other hand, usually only applies to mobile chargers, not permanently installed wallboxes. A dedicated wallbox liability insurance from nextsure specifically addresses these coverage gaps and thus provides specialised protection tailored to the needs of electric car owners and the risks associated with their charging station.
Cost factors: What influences the premium of your wallbox liability insurance?
The cost of liability insurance for a wallbox is influenced by various factors that allow you to tailor the coverage to your individual needs and budget. A key aspect is the purchase value or the insurance sum for the wallbox itself—a more expensive, more powerful wallbox often results in a higher premium. The maximum charging capacity (e.g., 11 kW or 22 kW) can also play a role, as higher power potential may be considered a higher risk. The installation location is also relevant: a wallbox in a secure garage is typically cheaper to insure than one located outdoors, as the risk of theft and vandalism is lower. Opting for a deductible in the event of a claim can reduce the annual premium. Additionally, optional extras, such as extended protection against operating errors, damage caused by gross negligence, or insurance coverage for charging cables, affect the premium. A transparent online comparison at nextsure helps you find the best value for money for your wallbox insurance.
How to Choose the Optimal Plan for Your Wallbox Protection
Selecting the right wallbox liability insurance requires a careful examination of the available services and tariff details to ensure your charging station is optimally protected. Pay attention not only to the price but especially to the scope of coverage. Does it cover damages due to operating errors, overvoltage (also indirect lightning strikes), water, vandalism, and theft? What are the insurance sums for property and liability damages – are they sufficient for potential major damages? Are there any exclusions that might be relevant to you, for instance, in cases of improper installation by a certified electrician? Determine whether damage to the vehicle being charged, caused by the wallbox (e.g., due to malfunctions), is insured and if charging cables are included in the coverage. Use online comparison tools from providers like nextsure to get an initial overview, and don't hesitate to seek expert digital advice to find the tariff that exactly fits your situation.
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Installation and Maintenance: Obligations for Wallbox Owners for Insurance Coverage
As the operator of a wallbox, you have a responsibility for its safe operation, which is also relevant for insurance purposes. A fundamental duty is to ensure professional installation by a qualified and certified electrician. This professional checks the existing household electrics, ensures all standards (such as DIN VDE 0100-722) and safety regulations are observed, and that the wallbox is correctly connected and secured. Keep the installation documentation and commissioning protocol carefully, as these may be required by the insurer in the event of a claim. Furthermore, it is advisable to conduct regular visual inspections of the wallbox and charging cables for external damage, secure fitting of connections, and proper functioning. Some manufacturers also specify maintenance intervals, which should be documented. Meeting these obligations is essential not only for safety but also to ensure full insurance coverage under your wallbox liability insurance, as neglect can, in the worst case, lead to a reduction or denial of benefits.
Damage report: What to do in the event of damage to your wallbox?
If, despite all precautions, damage occurs to your wallbox or as a result of it, quick and correct action is essential to make a claim with your wallbox liability insurance. Report the damage to your insurance company without delay – at nextsure, you can conveniently do this online through the customer portal or by phone. Document the damage as thoroughly as possible: take photos or videos of the damaged wallbox, the affected vehicle, or other damaged items. Provide a precise description of the incident. Gather all relevant documents such as purchase receipts for the wallbox, electrician installation proofs, and, if applicable, repair cost estimates. Important: Do not commission any repairs or replacements until you have received approval or instructions from your insurer, unless these are measures to immediately reduce damage (e.g. cutting off the power supply in case of fire risk and informing the fire brigade). Follow your insurer's instructions to ensure a smooth and prompt settlement of the claim.
Theft and Vandalism: Is your charging station also protected against these?
Wallboxes, particularly those installed outdoors, in carports, or in shared underground garages, can become targets of theft or vandalism. Whether your wallbox liability insurance covers such instances depends on the specific policy terms. Many basic policies may exclude these risks or offer them as an optional additional component for an extra premium. Premium policies, such as those offered by nextsure, often include more comprehensive protection that covers the theft of the permanently installed wallbox (possibly including the connected charging cable) and damage from deliberate destruction (vandalism). Therefore, carefully review your insurance certificate and the underlying General Terms and Conditions (GTC). Pay attention to any security requirements, such as secure bolting or installation in a theft-resistant location. Preventive measures such as good lighting, a stable anchor, or installation in a less visible, but camera-monitored location can further minimize the risk.
Is liability insurance for a wallbox legally required?
Many wallbox owners wonder if their existing personal liability insurance is sufficient to cover damages related to their charging station. The clear answer is: in most cases, no, because there are significant differences. Personal liability insurance covers damages you cause to third parties as a private individual in everyday life. However, damages arising from the ownership and operation of a permanently installed electrical system such as a wallbox (operational risk) are typically not included in the coverage of a standard personal liability insurance. Damages to the wallbox itself (e.g., due to misuse, overvoltage) or to your own vehicle resulting from a wallbox malfunction are also not covered by personal liability insurance. A special wallbox liability insurance, on the other hand, is precisely tailored to these risks. It protects against the financial consequences of property damage to the wallbox, to the electric car (if insured), and above all against third-party liability claims (e.g., if a defect in the wallbox causes a fire and the neighbour's house is damaged). It thus fills an important coverage gap for electric car owners.
