RE: Twizy sells well, but EV sales disappoint Renault
I discussed with Direct Line, who I used to insure the car (and our other cars). The conversation was recorded, so it is 'on record' as far as that goes. It went along the lines of me asking if the battery was insured, to which the call centre chap went and asked their underwriters, who basically said as long as it is 'part of the car' and was not a user 'removable' item, then it was insured. I had also initially put the value down as 10k, but then said together with battery it was actually 19k, and again I was told it was no issue as Direct Line simply insure any cars covered to the value of 40k.
FWIW, at time of purchase, I did also call up Swinton as the dealer encouraged me to do so to get the free 7 day cover, for the cover note for the tax disc. Swinton declined, saying the car was 'uninsurable' with them. So, clearly, you have to ask around and get the deal, and as far as I am concerned the battery is covered. If there is anything further in the event of an accident, I've done everything reasonable so I'll not be shelling out vast wads of cash unless, and until, Renault are successful in Court against me, if that were ever to be how it works out. But I would very much doubt it would ever come to that.
It's disappointing that the Fluence hasn't been released in the US, because if that were so then 3rd party battery packs would appear over time to service an ownership. So I guess if I don't get a good deal at the end of my lease from Renault and I still want an EV, then I'd have to plum for a Leaf I guess. (But that rear-end just looks uuugly .... !)