[grose]

When I went through insuring our EV car I went to a local insurer. They had no idea what to do. After discussing it with them, they created a policy for my EV. They figured more electrics are coming so they wanted to be proactive. They also took pictures of the EV's components and copied receipts - to establish a dollar value for what they were insuring.

Perhaps you can find flexibility if you go with a smaller insuring business like I did.