Yesterday, Lei Technology reported that the new energy vehicle captive insurance was officially launched, and from now on, all renewed and newly insured cars must be implemented in accordance with the new regulations. According to the new regulations, new energy vehicle bodies and three electric vehicles can enjoy commercial insurance compensation if they have problems in the process of driving, parking and charging.
On December 28, some netizens found that the insurance prices of many new energy vehicles rose overnight. Take the Tesla Model Y high-performance version priced at 395,900 yuan for example, ordinary commercial car insurance is only about 8,000 yuan a year, and today it was upgraded to a new energy vehicle exclusive car insurance, and the price rose to 14,000 yuan to 15,000 yuan, an increase of more than 70%.
Xiao Lei learned about the reasons for the high price of exclusive commercial insurance for new energy vehicles, the main factor is the high probability of new energy vehicles going wrong. It may be due to the failure to change the habit of driving fuel vehicles, or it may be due to excessive dependence on electronic equipment, the data of the national regulatory platform shows that the failure rate of new energy vehicles is much higher than that of fuel vehicles.
New energy vehicles in the scope of exclusive insurance problems, insurance companies may need to pay, helpless, insurance companies can only increase the price of car insurance. And for some models with higher failure rates and car owners with more traffic violations, the price of car insurance will be more expensive.
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Fortunately, not all new energy vehicle insurance has increased so much in price. The "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Exclusive Products of New Energy Vehicle Commercial Insurance" issued by the China Association of Actuaries confirms that new energy vehicles priced at less than 250,000 yuan will not increase the fee for insured car damage insurance, and narrow the threshold for the increase and decrease of the rate.
Models of more than 250,000 yuan, only some of the premiums have increased, but the overall price does not exceed 3%. Model Y car insurance has risen so much, which may be because of the frequent accidents of Tesla cars in recent years, not only in China, but also in foreign Tesla cars.
A few days ago, the US authoritative organization "Consumer Report" launched the 2021 car reliability survey report, Tesla's performance is the same as last year, the second to last reliability, only higher than Lincoln Car. J.D. Power's data also shows that Tesla's failure rate is very high.
For Tesla, this is very unfavorable news, other car companies more than 250,000 yuan of model premium increase may not be high, Tesla car insurance increase is very alarming, which may affect the willingness of consumers to buy Tesla cars. On the contrary, the Model Y is already a very expensive car, after all, the price is not low, consumers may not pay much attention to the car insurance of 14,000 yuan per year.