Jacob, you need to stop freaking people out & casting doubt on every comment. Rain it in.
Sorry man, but we can naively band around “it’s illegal”, “they can’t do it!”, but unless you’ve got the resources to force them, the risk with insuring through an incompetent insurer is a risk I feel people should be aware of.
It’s not what people want to hear. When are things ever though?
Your insurance may be valid. It may not be. That’s all we know based on what we’ve seen so far.
The point I am making is that you’ll never know until you need it most, or there is precedence. Neither of those things have happened, so your only fallback is litigation if the policy is not honoured. Most of which the general Joe Bloggs isn’t in a position to do. You insure with a company based on competence to honour your policy - there’s no evidence of that for Tesla based policies given pre-sales don’t know if it can or cannot be insured.
Simply exclaiming “they can’t sell you invalid insurance”, “it’s wholly illegal”, “I have a certificate of insurance!” isn’t helpful. You’re right they can’t do any of this. But would the affected party really have the time/money/resources to enforce it, especially with pressure of one, two, many third parties also the affected party.
You insure on the basis of precedence and competency in situations where it’s high risk (in the event of a claim, you’d have time sensitive liabilities, litigating something like this wouldn’t be quick, there is no precedence that I’ve seen of an honoured Tesla claim through Peugeot insurance, their sales team are inconsistent on wether policy is or is not valid).