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Fire at Tesla dealership near Rome destroys 17 cars
(www.cnn.com)
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You don't think it's insurance fraud because they know the cars won't sell?
Considering that it also extends to charging stations, that some of the Teslas are privately owned, and that people have been doing things like shooting at dealerships? I'm thinking not.
The fact that activists really are burning cars and chargers is precisely what would give plausibility to a (fraudulent) Tesla insurance claim.
Once a company is large enough they may self insure. Even if they didn't the rise in premiums from burning them would probably not be worth it