A few days ago, the China Insurance Industry Association issued the "New Energy Vehicle Commercial Insurance Exclusive Clauses" for trial implementation, and on December 27, the adjusted new energy vehicle exclusive insurance product was officially launched.
Previously, when new energy vehicles were insured for car insurance, they were in accordance with the standards of traditional fuel vehicles. However, new energy vehicles have special characteristics in batteries, drive motors, electronic control systems, etc., and if the insurance regulations for fuel vehicles are applied to new energy vehicles, their coverage is not comprehensive enough. Especially for the thermal runaway risk of new energy vehicles, the insurance regulations have the problem of imperfect protection of rights and interests.
Therefore, after the launch of the new energy vehicle exclusive insurance product, it can be more adapted to the characteristics of new energy vehicles. The new product takes into account the spontaneous combustion of new energy vehicles, the damage of the "three electricity" system and the risk of accidents when driving, parking and charging, and can be paid by commercial insurance.
In addition, the new insurance product also adds an additional "fire accident limit doubling insurance", which can be doubled up to 4 times to meet the claim needs of car owners.
According to the "Explanation on the Adjustment of the Benchmark Pure Risk Premium Table for Exclusive Products of New Energy Vehicle Commercial Insurance" issued by the China Association of Actuaries, the benchmark premiums of new energy vehicle three insurance and vehicle damage insurance will drop by about 0.8% as a whole. Industry insiders said that it is expected that nearly 80% of new energy vehicle owners can enjoy the benefits of fee reduction.
However, since the premium will be affected by factors such as traffic violation records and the number of insurance accidents, the actual premium must also be subject.
On the day of the launch of the new energy vehicle exclusive insurance product, many car owners found that the premium of their cars increased significantly.
In particular, tesla, Xiaopeng, ideal and other brands of pure electric and plug-in hybrid models as the lead, due to the increase in the premium of the car damage project, the total premium increased by more than 80% year-on-year. Taking Tesla Model Y as an example, the premium on December 23 was 8278.62 yuan, while the same car insurance rights protection on the 27th, the premium rose to 14902.52 yuan.
In this regard, the property insurance company explained that because of the high claim rate and claim amount of new energy vehicles, Tesla reached 1:1.4, that is, to charge 1 yuan of premium to lose 1.4 yuan, so it had to increase the premium. It seems that the fuel money saved by electric vehicles before has to be added back to insurance.
In the professor's view, the safety risk of new energy vehicles should be borne by the car manufacturer during the shelf life, and the increase in premiums is equivalent to transferring the risk and responsibility to the owner.
The Property Insurance Supervision Department of the Banking and Insurance Regulatory Commission also stipulates that the surcharge rate of exclusive products for new energy vehicles shall not be higher than 15%. It seems that these contradictions currently arising from the new insurance regulations still need further coordination between the regulatory authorities, car companies and property insurance companies.
Netizen Comments:
Netizen 1: The most important thing is the battery bump!!
Netizen 2: 4 times the three is 40 million!
Netizen 3: If it is a new car, the car during the warranty period, spontaneous combustion occurs, then the manufacturer should bear the loss?