Recently, the China Insurance Industry Association published the exclusive terms of commercial insurance for new energy vehicles of China Insurance Industry Association (Trial) (hereinafter referred to as the exclusive terms) on its website. This means that the new energy exclusive vehicle insurance that has been studied and explored for 3 years has really come.
On December 27, the exclusive insurance for new energy vehicles was officially launched. On the same day, Shanghai Insurance Exchange launched the new energy vehicle insurance trading platform and listed the first batch of new energy vehicle exclusive insurance products of 12 property insurance companies, including PICC Property Insurance, Ping An Property Insurance and CPIC property insurance.
It is reported that after the landing of exclusive insurance, many analysts said that the benchmark premium of nearly 80% of car owners will decline, but many netizens drying out their insurance quotation said that "the premium has increased". And Tesla owners said the price increase was more than 100%. What's going on? Tesla owner's premium soared?
Shortly after the introduction of new energy exclusive insurance, many netizens complained that the premium had increased significantly.
A Tesla Model y owner exposed his insurance policy on December 23. The insurance policy shows that the cost of vehicle insurance is 8278 yuan, and after the new deal on December 27, the insurance cost rose to nearly 15000 yuan, an increase of 80%.
According to the old and new comparison charts of some new energy vehicle premiums summarized by netizens, the auto insurance of Tesla models increased by even more than 100%, while the auto insurance of Xiaopeng cars increased by 54.98% at most, 24.77% at least, and the total premium increased by 16% - 37%. The premium increases of ideal automobile and Weilai automobile are also similar.
Why do so many car owners respond to the substantial increase in premium?
In this regard, the reporter of the international finance news called Ping An Insurance (Group) Company Of China Ltd(601318) , and its staff disclosed to the reporter that some auto insurance did rise to a certain extent, but it did not reach 50%. Among them, the models with large price increases include Tesla, Byd Company Limited(002594) and Roewe, but Weilai automobile and ideal automobile have little change.
Some car owners of the automobile brands involved above said that the cost of renewal was not as high as rumored on the Internet, and even some car owners said that the premium did decrease to a certain extent.
The above staff stressed that the premium of the above-mentioned brand models did not rise all, but should be divided into specific models.
As for the statement that "there is no increase in vehicle damage insurance for new energy vehicles with a vehicle price of less than 250000 yuan", the above Ping An Insurance (Group) Company Of China Ltd(601318) staff said that the insurance price of models with a vehicle price of less than 250000 yuan will also change, and the change range of some models is greater than that of models with a vehicle price of more than 250000 yuan.
For the premium increase, the reporter of the international finance news called Tesla and Byd Company Limited(002594) official customer service respectively. Both said that the insurance business was signed by the owner, 4S store and insurance company, and the specific amount was determined by the owner and insurance company through consultation. it was predicted that the benchmark premium of 80% of car owners would decrease
In fact, different from the significant increase in premium proposed by the above netizens, many analysts said that after the implementation of new energy exclusive insurance, 80% of the owner's benchmark premium will decline.
Shenwan Hongyuan Group Co.Ltd(000166) analyst Ge Yuxiang pointed out that from the premium calculation formula, the benchmark premium = benchmark pure risk premium / (1-surcharge rate), the surcharge rate of new energy vehicle insurance decreased from 25% of traditional fuel vehicles to 15%, and the proportion of overall premium policies increased from 18.3% in the last round of test to 20.7%, close to 80% of the benchmark premium of policies decreased.
Ping An Property Insurance is also answering "the protection of exclusive terms has increased, will my premium become more expensive?" This problem means that 80% of the owner's benchmark premium will decline. However, since the premium will be affected by factors such as traffic violation records and the number of accidents, the actual premium shall prevail.
It is worth noting that the collection of exclusive insurance premiums for new energy vehicles is also affected by the grade of models. According to media reports, some people in the industry said that the premium of new energy vehicle insurance actually increased and decreased. It is possible that the price of some high-end models has increased, the benchmark premium of most models has decreased, and the overall price increase is not large.
In addition to the price increase reflected by some netizens, the introduction of exclusive insurance for new energy vehicles actually has a lot of practical significance.
The exclusive terms released this time first defines new energy vehicles, that is, our common pure electric vehicles, plug-in hybrid (including add-on program) vehicles and fuel cell vehicles belong to new energy vehicles.
It is reported that the insurance system of Shanghai insurance exchange includes 3 main insurance and 13 additional insurance, basically taking into account the common risks of new energy vehicles.
Previously, new energy vehicles and fuel vehicles used the same vehicle insurance terms, but the depreciation rate and depreciation speed of new energy vehicles are very different from fuel vehicles, so it is difficult to determine the loss of batteries, which also brings great problems to insurance claims.
The new energy exclusive vehicle insurance has added some protection contents. For example, in addition to the body, the unique "three electricity" system (battery and energy storage system, motor and drive system, and other control systems) of new energy vehicles and all other ex factory equipment are covered.
This also means that the insurance liability of exclusive new energy vehicle insurance is further enlarged to better adapt to the characteristics of new energy vehicles. In addition, compared with the use process of traditional auto insurance, the main insurance liability of the exclusive terms of new energy vehicles also increases the charging process.
(International Finance News)
