Not everybody has insurance that covers vandalism.

Tesla owners should upgrade quickly.

Most people have a deductible they need to pay before the insurance kick in.

True. However the main financial impact on current Tesla owners is the falling 2nd hand market price. Current owners are already losing out. Nothing can be done about that.

You are forcing people to take time out of their day to take the car to the shop for repairs and/or have to deal with long administrative tasks.

So sell the Telsa if that is a worry.

Premiums would not only go up for future Tesla owners.

If only Teslas are vandalised then only that brands premiums are affected.