A client spoke to us about a policy bound to fail for his three-wheel electric vehicle.
His story was so alarming that we did some investigating. We called other insurance companies to see if they had a policy option for these vehicles, specifically the Arcimoto FUVs. Our conversations in getting quotes from other insurance companies went about like this:

get a quote
US Do you offer coverage on an Arcimoto/can we get a quote for coverage on an Arcimoto?
THEM Yes, where do you live, what coverage limits would you like, etc. I’m starting a quote for you as a motorcycle.
US It is not a motorcycle. It has 3 wheels, is all electric, and licensed for road use.
THEM Okay, well it sounds like it should work under a motorcycle. I’ll just type it in as an Arcimoto. The system requires that I add cc’s, so I’ll just put in 1.
US No, I want to make sure this will be a correct policy. Please check with your underwriting guidelines to make sure it actually works.
THEM Um, okay, please hold. (After holding) I spoke with underwriting. It looks like that actually does not work for coverage. We don’t actually have a policy option that works. Sorry. You will need to get coverage somewhere else.
US Do you offer
coverage on an
Arcimoto/can we get
a quote for coverage
on an Arcimoto?
THEM Yes, where do you
live, what coverage
limits would you
like, etc. I’m starting
a quote for you as a
motorcycle.
US It is not a
motorcycle. It has
3-wheels, is all
electric, and licensed
for road use.
THEM Okay, well it sounds
like it should work
under a motorcycle.
I’ll just type it in as
an Arcimoto. The
system requires that
I add cc’s, so I’ll just
put in 1.
US No, I want to make
sure this will be a
correct policy.
Please check with
your underwriting
guidelines to make
sure it actually
works.
THEM Um, okay, please
hold.
(After holding)
I spoke with
underwriting. It
looks like that
actually does not
work for coverage.
We don’t actually
have a policy option
that works. Sorry.
You will need to get
coverage somewhere
else.