Source: China Fund News
On December 27, the captive insurance for new energy vehicles was officially launched.
However, 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. According to the feedback of many netizens, different models, the increase varies between 20% and 80%.
Tesla premiums skyrocketed
A few days ago, some netizens exposed that the same Tesla Model Y, the cost of insurance on the 23rd was 8278 yuan, and after the new deal on the 27th, the insurance cost soared to more than 14,000 yuan, an increase of up to 80%.
Some netizens posted the Tesla Model3 P official website premium, the original 8,000 yuan or so, now the official website 18,000 yuan.
The netizen said that after a day of lifting the car, the premium rose by 10,000 yuan, and the car was not in the mood. Repent of crying...
The first-year premium of new energy vehicles is usually relatively expensive, how much does it cost to renew?
Some netizens posted their Tesla Model3 P renewal insurance policy, last year did not have insurance, on the basis of 30% off, the renewal of more than 9700 yuan.
Netizens have said that the little oil money saved has gone to subsidize the premium...
"Wei Xiaoli" premium increased by about 30%
Some enthusiastic netizens summed up a comparison chart of the new and old premiums of some new energy vehicles, and the fund Jun found that the part of the price increase was mainly on the car damage insurance.
Among them, the car insurance of Tesla models has basically risen by more than 100%, while the car insurance of Xiaopeng Automobile has risen by 54.98% at the highest, increased by at least 24.77%, and the total premium has risen by between 16% and 37%. Ideal, Weilai Automobile's premium price increase is also similar.
However, there are also some models whose total premiums have declined, such as BYD's Qin and Roewe E50.
Why has new energy vehicle insurance risen so much?
It is reported that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles, not only considering the spontaneous combustion risk of new energy vehicles, but also considering the damage risk of "three electricity" (that is, batteries, motors and electronic controls). Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
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.
According to reports, the insurance system of the Shanghai Insurance Exchange includes a total of 3 main insurance and 13 additional insurance. Among them, the main insurance includes three independent types of insurance, including new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance, and the insured can choose the corresponding insurance types according to their needs.
Tesla has the highest failure rate and the most premium increases?
Some auto bloggers broke the news that the key reason for the price increase is that the insurance company cannot make ends meet, and the overall insurance of domestic new energy vehicles is too high, and the insurance cost needs to be increased to avoid losses.
Property and casualty insurance industry insiders said that the policy cost of new energy vehicles is mainly reflected in two aspects, one is that maintenance is expensive, and the other is that the insurance rate is relatively high. At present, the loss ratio of new energy vehicle insurance generally exceeds 85%, and the industry is facing greater underwriting loss pressure.
In this price adjustment, why is Tesla's price increase the highest?
According to netizens, 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 the premium price of Tesla's entire series of models has increased.
Industry insiders said that Tesla because it is an all-aluminum integrated body, after the collision is not easy to sheet metal repair, can only be replaced as one, after the insurance the amount of compensation is more expensive than other models. In fact, in recent years, Tesla cars have had frequent accidents, not only in China, but also in foreign countries Tesla cars are also problematic.
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.