This is the best summary I could come up with:

“I spent weeks on every comparison site as well as trying individual insurers and specialist brokers, but either they wouldn’t cover the car or the quotes were £5,000 or more,” says David, whose only change in circumstance was three points on a licence.

Privilege, Vitality, Axa and the specialist broker Adrian Flux were among the brands he found were “unable to insure him at this time” before he nailed down a policy with Direct Line, albeit at a price.

But it is not only owners of Model Ys – which with a starting price of about £45,000 was the bestselling electric car in the UK last year – who are finding that, like the government, insurers are wobbling about the cost of net zero.

Despite the potential drawbacks that come with being an early adopter, high fuel prices as well as concerns about the environment have resulted in more drivers opting for an electric car, with almost 270,000 new vehicles registered in the UK last year – an increase of 40%.

Direct Line Group, which owns the Privilege brand, added that it was “committed to the electric vehicle market” and was offering insurance for cars from big manufacturers, including Tesla and Smart, “subject to individual circumstances.

John Lewis Financial Services told us: “Our underwriter has temporarily paused offering new policies and renewals on fully electric vehicles while they analyse the risks and costs entailed.

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