On December 27, the new energy vehicle captive insurance was officially launched, but after the reform of new energy exclusive car insurance, with the increase of insurance rights, the premiums to be paid by car owners have also increased dramatically.
A few days ago, some netizens exposed that the car insurance rights and interests of the two Tesla Model Ys, because the date of purchase of car insurance is different, and the price difference is huge, which also arouses the attention of netizens.
On December 27, after the launch of new energy vehicle insurance, the tesla Model Y premium price soared to 14,902 yuan / year, of which motor vehicle loss insurance rose the most, from the previous 5759 yuan soared to 12,736 yuan, and the car damage insurance directly doubled.
In this regard, some car bloggers broke the news that insurance companies said that new energy vehicle insurance generally increased prices by 20% to 80%.
The key reason for the price increase is that the insurance company cannot make ends meet, and the overall insurance payment amount of domestic new energy vehicles is too high, and the insurance cost needs to be increased to avoid losses.
Because Tesla is an all-aluminum integrated body, it is not easy to repair the sheet metal after the collision, and can only be replaced as a whole, and the amount of compensation after the insurance is more expensive than other models.
Another netizen broke the news: Tesla's claim rate and claim amount are too high, reaching 1:1.4, which is equivalent to charging a dollar premium to lose 1.4 yuan, so tesla's entire series of models premiums have increased.
However, in addition to the substantial increase in Tesla premiums, other brands of new energy vehicle insurance, but also have a relatively large increase, for new energy owners, when paying car insurance premiums, it will be much more painful than last year, many car owners are also in the car owner group frying pan, Xiaopeng owners broke the news that insurance has increased by 50%.
It is reported that the new energy exclusive car insurance released this time, the insurance liability is further enlarged, more adapted to the characteristics of new energy vehicles, not only taking into account the spontaneous combustion risk of new energy vehicles, but also considering the damage risk of "three electricity" (that is, batteries, motors and electronic controls).
New energy vehicles and core "three electricity" accidents (including spontaneous combustion) occur during driving, parking and charging, and 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 double insurance", that is, the third-party liability insurance of the insured new energy vehicle, the applicable liability limit is doubled on the basis of the insurance policy.
According to the current three liability insurance up to 10 million yuan of insurance to calculate, the new energy vehicle fire accident limit doubled insurance, the maximum can be doubled 4 times, insured 40 million yuan of insurance, to meet the owner's claim needs due to fire compensation.
