In a troubling case highlighting gaps in EV insurance coverage and after-sales policies, a Noida-based BYD Seal owner was left stunned after being quoted over ₹18 lakh for a battery replacement—just two months after purchasing the car.
What Happened?
Aditya, a resident of Noida, had purchased the premium BYD Seal electric vehicle, priced around ₹41 lakh (ex-showroom), only two months ago. Unfortunately, during recent floods in the area, his car was submerged, causing severe battery damage.
When he approached the dealership for repair, he was informed that the cost of replacing the battery would be a staggering ₹18.35 lakh.
The Insurance Twist
The shocking part? Aditya had already paid ₹1.20 lakh for a Zero Depreciation (Zero-Dep) insurance policy, reportedly under pressure from the dealership, which insisted he take a policy from their affiliated insurance company.
He was assured complete coverage including the EV battery, even in cases of water damage. In fact, he has a phone recording of the insurance agent confirming that battery protection was included.
But when the time came to claim the coverage:
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BYD India refused the warranty, saying water damage isn't covered.
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The insurance company also denied the claim, leaving Aditya stranded with a massive repair bill.
Why This Is Alarming
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Battery replacement costs for EVs like the BYD Seal are incredibly high.
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EV owners often assume comprehensive coverage under Zero-Dep insurance, but fine print exclusions—such as water damage—can void major claims.
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Even when verbal assurances are given, companies may backtrack, leaving customers in financial distress.
Buyer Beware: Key Takeaways
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Read every insurance clause carefully—especially for high-value components like EV batteries.
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Do not rely solely on verbal assurances. Always insist on written confirmation.
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Flood damage is often excluded from both warranty and insurance policies unless specified.
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EV users in flood-prone areas should consider add-on covers like Engine & Battery Protect Plus.
What’s Next for Aditya?
Left with no compensation from either BYD or the insurer, Aditya is now facing a steep out-of-pocket expense of ₹18.35 lakh. His case has sparked concern among other EV buyers, especially those considering vehicles in a similar price bracket.
Final Word
Aditya's ordeal serves as a crucial reminder that owning an electric car in India—especially a premium one—isn't just about the purchase price. Owners must be cautious of after-sales support, warranty terms, and actual coverage of insurance policies, or risk being caught in a financial nightmare.
For EV buyers, this case raises a pressing question: Are we truly prepared—both infrastructurally and contractually—for the electric vehicle revolution?
