Homeowners told to update insurers when installing EV chargers

Malaysia's General Insurance Association (PIAM) has advised homeowners to inform their insurance providers when they install permanent electric vehicle (EV) chargers. These hard-wired EV chargers are considered building fixtures and fittings under home insurance policies, according to PIAM CEO Chua Kim Soon. The association's guidance comes after a fire in Alam Damai, Cheras, which is thought to have started from an EV charging at a front porch, causing extensive damage to a two-storey house.

PIAM clarified that standard homeowner and fire insurance policies cover fire damage caused by EV chargers, regardless of the ignition source, as long as there is no fraud or breach of policy terms. Permanently installed, hard-wired EV chargers are classified as building fixtures and fittings under home insurance policies. However, portable charging cables are typically covered by motor insurance policies or specialized add-on packages.

PIAM stressed the importance of professional installation and noted that insurers will consider official investigation reports, such as those from the fire and rescue department, to ensure electrical safety standards were followed and avoid any uncertified modifications.