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It's a code violation, not insurance fraud.

I read about this often whenever I'm looking at guidance for one of my hobbies, and often people are dealing with it in their garage. Some jurisdictions are more okay with DIYing than others, but it's all too common that someone is taking 240V, 30A and going to an enclosure that they built to get 3+ HP/2+ kW at 240 or 480V, three phase.

The common refrain is that your insurance will deny your claim.

The response that people get when they call their insurance is "you pay us to cover you even when you do the wrong thing". Just like how your auto insurance covers you when you rear-end someone while drunk as hell, when you drape way too many lights on your crispy dead Christmas tree, or when you fall asleep and light your drapes on fire with a cigarette.

Intent is when you set out to cause an accident.

(You should probably read your actual insurance policies before considering my not-a-lawyer American-centric comments.)



> It's a code violation, not insurance fraud.

I think nobody mentioned about insurance fraud. There is a difference between a accidental mistake, not knowing what your doing, and knowing that your bypassing regulation willingly.

This type of installation needs to be reported to the insurance company. Remember, coverage applies to the state of your vehicle/home/property. If you DIY your own power source, the insurance company when informed about it, may drop your coverage.

If they know about the installation, its much harder for them to deny a claim. But a hidden installation like that, is a factor in claim denying.

And we are kind of ignoring the whole "your not just putting yourself at risk but also all the other people" issue".




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