Insurance and shared EV chargers: what to declare before you start

Practical guide — July 2026

It's the question most future hosts ask right after "how much can I earn?": am I properly covered if something goes wrong? Here's what you need to know before sharing your charger.

Declaring it to your insurer is a legal requirement

French law requires owners to inform their home insurer of an EV charger installation. This step is essential: in the event of a claim, failing to declare it could result in a refusal to cover damages, whether from a fire, a short circuit, or material damage linked to the installation.

What a standard home insurance policy covers (and doesn't)

A standard multi-risk home policy doesn't automatically cover an EV charger: it's additional electrical equipment that must be explicitly mentioned in the contract. The points insurers generally flag concern electrical risks, fire risks, and civil liability tied to the charger's use — a particularly important point if you're opening access to third parties via ShareNplug.

Co-owned buildings: coverage at the building level

For shared infrastructure (chargers in a basement, wiring running through common areas), it's the building's multi-risk building insurance (MRI) that must step in, on top of each equipped co-owner's individual policy. If a fault affects several chargers linked to the same load-management system, coverage shouldn't be limited to a single unit.

Technical compliance is a condition of coverage

To be covered, an installation must comply with the NF C 15-100 standard as well as the requirements applicable to EV charging infrastructure (IRVE). That's one more reason to have your charger installed by an IRVE-certified professional rather than attempting it yourself: beyond safety, it's a condition of insurance coverage.

Our recommendation before sharing your charger

  1. Check that your charger was installed by an IRVE-certified professional, compliant with the NF C 15-100 standard.
  2. Declare the installation to your home insurer (or, in a co-owned building, have the building manager check the collective coverage).
  3. Confirm that your policy covers use by third parties, since you're opening access to your charger via ShareNplug.

ShareNplug is not a substitute for insurance: these checks remain the charger owner's responsibility before sharing it.

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