It also depends on when the next RoRo (car carrier) catches fire like the Freemantle Highway, which burned uncontrollably and after a month the EV's were still hot. The insurance companies aren't going to cover these if the very real dangers cannot be addressed.
Only one thing really bothers the most profitable
protection racket business in the world; government regulation. It will only take a small increase in coverage costs over what they are now for the .gov to intervene.
right now, EV’s are about 20-25% higher to insure. This can deter some customers from buying and that’s money the government wants spent. The first company to go over 50% more for an EV will trigger some kind of legislative, regulatory or bureaucratic backlash. Because of how in the current regime is on EV adoption, I would not be surprised if there would be a similar bill for insurance of EV’s like the ACA for healthcare. This would allow the government to not just regulate production, “encourage” ownership, but profit off the ownership as insurance coverage is generally mandatory.
We’ve seen the same thing with beachfront / coastal homes. Build on risky, disaster prone property. Hurricane rolls through and lays waste to your structures. Insurance covers, dramatically increases rates for everyone there. Rebuild, 2 years later, same thing repeats, insurance company tries to pull out. .gov provides a bailout.