





Lebowski wrote:contact Renault and tell them !

Information for insurance companies -insurance Introduction HE battery from Renault in November 2011 introduced a period of 1 year 4 electric cars on the Dutch market.Renault uses the term Z.E. which stands forZero Emission. The motto of Renault is that an electric car should be accessible to everyone!The Z.E. Renault business model is characterized by the unbundling of the car and the battery. The battery remains during the economic lifetime ownership of RenaultFinancial Services (RFS). Customer benefit is that the initial investment is low and monthlyrent is paid for the battery. Renault and RFSguarantee the quality of the battery: if by a technical fault, the battery capacity is insufficient, then it is replaced at no charge tothe customer. This business model does haveimplications for the insurance: the batteryshould be ensured, even if she has a different owner than the car. This document describesthe conditions required insurance must complybattery and put the product characteristics of the battery RFS ZE insurance at a glance


Implications for Both the insurance business and private customer who decides to purchase one of the Renault ZE models, connect a battery lease agreement with RFS. Article 8 of this Agreement states that the customer is obliged to provide a battery insurance. As an insurance company has the following options for a car to offer for the Renault ZE Models: 1.WA + Casco insurance exclusive 2. WA + Cascoinsurance including cover for the battery cover for the battery in the first case the customer has a separate battery insurance. This isoffered by RFS and can optionally be added tothe monthly battery rental. WA + Cascoexclusive cover for the battery As an insurer, you are able to WA + Casco insurance to offercoverage without the battery. This applies to the purchase price of the car insured valuewithout you having to take into account the value of the battery. The customer then has the option to charge insurance into the monthlybattery rental at RFS. In case of damage and /or total loss of your processes, you musthowever note that RFS is the owner of the battery. Later in this document, we are still into it. WA + Casco including coverage for the battery can be a complete car (car + battery)for the Renault ZE models offer.
Requirements battery insurance If the batteryinsurance is integrated in the policy, this should satisfy the following properties: Required coverage The battery should be ensured for: • all external incoming doom • Liability • Theft and loss • natural coverage (CATNAT) Allowable exclusions The followingexclusions are allowed on the batteryinsurance: • intent or deliberate recklessness •damage caused by an inherent defect • willful damage (damage caused by or arising from armed conflict, civil war, insurrection, civil commotion, insurrection, mutiny) • Terrorism •nuclear reactions RFS reserves as owner the battery the right to damages caused by willful misconduct or gross negligence to recover from the owner and / or the rider. Insured value The insured value of the battery is as follows: Model Excl. VAT Incl. Fluence ZE VAT €8110.00 € 9650.90 Kangoo ZE € 8100.00 €9639.00 € 3150.00 € 3748.50 Twizy Zoe TBDTBD The battery should be ensured including VAT

Depreciation battery The battery has a useful life of 10 years and has a new value system of1 year from date of first registration. Duringthis year the book value 100%. The first day after the first year, 10% and then depreciated10% per year divided equally per month. This means that, after the first year, monthly 10/12% linear depreciated value of the insured.Schematically, the value gradient for theKangoo and Fluence is as follows: AmortizationTable battery ZE € 9,000 € 8,000 € 7,000 € 6,000€ 5,000 € 4,000 € 3,000 € 2,000 € 1,000 € YearJanuary 1 Year Feb. 01 Years March 01 YearJanuary 4 Year 5 01 June 01 Year Year Year July 01 August 01 September 01 Year 10 Year 01 The insured value is equal to the above book value plus VAT. Recording beneficiary clause inthe policy must RFS as owner of the battery to be listed as the beneficiary. Any payment ofdamages by the insurer tokens must be paid directly to RFS in accordance with the then current book value. Distribution of damagetokens must be made inclusive of VAT.



knoxie wrote:I have heard that they are classing it here in the UK in insurance group 10 now? WTF? they base this on you being more vulnerable? more vulnerable than what? a scooter or a motorcycle? I have a full motorcycle licence and a car too, I pay only 80 pounds a year to insure my XT600 Yamaha motorbike which is more powerful and far more likely to cause me an injury yet they will want a lot more to insure the Twizy? meh? Review and mention on the insurance below.
http://www.carbuzz.co.uk/blog/Renault-Twizy-176










Matthijs wrote:That is great! Because Zoe is without battery. And this opens up all kinds of opertunities!! Because now you can not tune a Twizy. Because the battery is not yours. So making changes is impossible. If you have more info please let me know! I would like to have one without a battery...

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