On December 27, the exclusive insurance for new energy vehicles was officially launched.
However, after the reform of new energy exclusive vehicle insurance, with the increase of insurance rights and interests, the premiums to be paid by car owners also increased significantly. According to the feedback of many netizens, the increase of different models ranges from 20% to 80%.
Tesla premium soared
Recently, some netizens exposed that the insurance cost of Tesla Model y on the 23rd was 8278 yuan, while after the new deal on the 27th, the insurance cost soared to more than 14000 yuan, an increase of 80%.
Some netizens sun out the premium on Tesla Model3 P’s official website, which was about 8000 yuan, but now it’s 18000 yuan on the official website.
The netizen said that after picking up the car one day, the premium increased by 10000 yuan, and he was in no mood to pick up the car. Regret crying
The first year premium of new energy vehicles is usually expensive. How about the renewal fee?
Some netizens aired their Tesla Model3 P renewal policy. They didn’t get out of danger last year. On the basis of 70% discount, they renewed more than 9700 yuan.
Netizens have said that the saved fuel money has subsidized the premium
“Wei Xiaoli” premium increased by about 30%
Some enthusiastic netizens summarized a new and old comparison chart of some new energy vehicle premiums. Fund Jun found that the price increase was mainly in vehicle damage insurance.
Among them, the auto insurance of Tesla models basically increased by more than 100%, while the auto insurance of Xiaopeng automobile increased by 54.98% at most, 24.77% at least, and the total premium increased by 16% – 37%. The premium increases of ideal and Weilai cars are also similar.
However, the total premium of some models decreased, such as Qin of Byd Company Limited(002594) and Rongwei E50.
why did new energy auto insurance increase so much?
It is reported that compared with the vehicle insurance of traditional fuel vehicles, the new energy exclusive vehicle insurance released this time further enlarges the insurance liability and better adapts to the characteristics of new energy vehicles. It takes into account not only the spontaneous combustion risk of new energy vehicles, but also the damage risk of “three electricity” (i.e. battery, motor and electronic control). Compared with the use process of traditional vehicle insurance, the main insurance liability of the exclusive terms of new energy vehicles also increases the charging process.
In case of accidents (including spontaneous combustion) during driving, parking and charging of new energy vehicles and core “three electricity”, they can enjoy the compensation of commercial insurance.
At the same time, the insurance also sets up an exclusive additional insurance for new energy vehicles, “fire accident limit doubling insurance”, that is, the third-party liability insurance for insured new energy vehicles, and the applicable liability limit is doubled on the basis specified in the insurance policy.
According to the current three liability insurance coverage of up to 10 million yuan, the fire accident limit of new energy vehicles can be doubled by up to four times, with an insured amount of 40 million yuan, so as to meet the claims settlement needs of vehicle owners for fire compensation.
It is reported that the insurance system of Shanghai insurance exchange includes 3 main insurance and 13 additional insurance. The main insurance includes three independent types of new energy vehicle loss insurance, new energy vehicle third party liability insurance and new energy vehicle on-board personnel liability insurance. The applicant can choose the corresponding types of insurance as needed.
Tesla has the highest failure rate and the highest premium increase?
Some auto bloggers broke the news that the key reason for the price increase is that insurance companies can’t make ends meet. The compensation amount of Shanxi Guoxin Energy Corporation Limited(600617) car insurance as a whole is too high, and the insurance premium needs to be increased to avoid loss.
People in the property insurance industry said that the policy cost of new energy vehicles is mainly reflected in two aspects: one is that the maintenance is expensive, and the other is that the accident rate is relatively high. At present, the loss ratio of new energy vehicle insurance generally exceeds 85%, and the industry is facing great underwriting loss pressure.
In this price adjustment, why did Tesla have the highest price increase?
According to netizens, Tesla’s odds ratio and claim amount are too high, reaching 1:1.4, which is equivalent to 1.4 yuan for a dollar. Therefore, the premium of all Tesla models has increased.
Insiders said that because Tesla uses an all aluminum integrated body, it is not easy to repair the sheet metal after collision, so it can only be replaced as a whole. The compensation amount after the accident is more expensive than that of other models. In fact, Tesla car accidents have occurred frequently in recent years, not only in China, but also abroad.
Recently, the US authority consumer report launched the 2021 automobile reliability survey report. Tesla’s performance is the same as that of last year, with the second lowest reliability, only higher than that of Lincoln. J.D。 Power data also shows that Tesla’s failure rate is very high.
(China Fund News)
