Aumento del 28% en el premio de políticas de incendio para Tesla

After stating that the insurance for electric cars is cheaper today. Not anymore Due to the more complex restoration and high cost of spare parts. However, it is not a general rule, as you can find more or less affordable policies depending on the company. Instead, the concern is the trend concerning Tesla: Perhaps due to the frequent acts of vandalism registered in recent weeks, in Italy, theft and fire policies to ensure that electric cars produced by Elon Musk are indeed increasing by up to 30%.

Tesla: Theft and fire policy now costs 28% more

This figure comes from an analysis by Facil Comparativa. The automatic RC insurance with theft and fire coverage found that, since late 2024, the rates reserved for Tesla cars increased to reach, in April 2025, a peak of +28% annually with an average cost that, in just 12 months, went from €796 to €1,022. Of course, insurance companies evaluate various factors to determine the price of coverage. Therefore, it is difficult, if not impossible, to attribute rate variations to a single factor. However, the likelihood of an accident is one of the most important parameters and cannot be overlooked when accessing Musk-produced cars.

Tesla triggered after Musk’s entry into politics

Because in fact Musk decided to engage in a political standpoint by often making controversial statements and behaviors, some Tesla cars, first in the United States and then in Europe, including Italy, were attacked and vandalized as a sign of protest against the owner of the American car manufacturer. These incidents inevitably increased Tesla’s risk factor, leading companies to raise the premium.

Protecting Tesla from theft and fire vandalism: Is it worth it?

Regardless of the price, what should a Tesla owner do to protect their vehicle from such events? In the insurance market, there are two coverages, optional and added to RC Auto, that can assist owners: theft and fire coverage and coverage for vandalism or sociopolitical events.

The first coverage, in addition to compensating the owner against vehicle theft, reimburses the car even in case of damage caused by fires and flames. However, it is essential to verify the insurance company’s conditions, as some companies limit reimbursement to accidental fires, while others cover damage caused by vandalism-induced fires. Other types of damage are not covered by this policy, such as body or tire damage.

The Vandal Guarantee protects the vehicle owner from any damage intentionally caused by third parties. Also, some companies offer more specific sociopolitical event policies that protect the vehicle from vandalism attributed to specific events, such as acts of terrorism, demonstrations or riots, processions and strikes, social disorders, and acts by organized groups. Often, in Italy, vandalism against Tesla occurred precisely during events and processions.