[t0mas88]

If some kind of disaster happend to the car, like it being flooded, yes. But if it was normal rain that all other cars survived, I think the insurance is going to point at Tesla.

This being Europe, and the car less than a year old, it's on Tesla to prove this wasn't a defect in their car. Otherwise it's reasonable for the consumer to expect it to keep working if it rains, and Tesla is going to be on the hook for warranty. Unlike some other jurisdictions you can't really get out of warranty if you sell consumer products in Europe.

[starfleet_bop]

Wouldn’t it still be the case of the consumer claims from the insurance then the insurance claims from the manufacturer?

[t0mas88]

Probably not. A car defect isn't covered by the insurance. But this may depend a bit on the country and specific insurance policy.