The exclusive product of new energy vehicle commercial insurance was officially launched on December 27. All-media reporters learned from major insurance companies that new energy vehicle owners can apply for insurance online through major platforms. However, recently, some new energy car owners have given feedback to reporters: It seems that after purchasing exclusive car insurance, the premium of new energy vehicles is more expensive?
Interpretation: More than 250,000 models may have floated
Recently, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)". In terms of insurance liability, the Clauses not only provide protection for the "three electricities" (battery, motor and electronic control) system, but also comprehensively cover the use scenarios of new energy vehicles driving, parking, charging and operation. In the development of terms, it not only considers the current mainstream technology route, but also leaves room for innovation in the new format of the new energy automobile industry. In terms of insurance liability, exclusive car insurance not only provides protection for the "three electricity" system, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation.
For China's current more than 6 million new energy owners, the launch of exclusive car insurance is expected. However, some new energy vehicle owners found that "car insurance premiums have risen". One of the Tesla owners told reporters that before the exclusive insurance was launched, the premium quotation for renewal was 4700 yuan, and the quotation after the launch became more expensive, requiring 5500 yuan.
New energy exclusive car insurance will make insurance more expensive? Industry insiders said that according to estimates, after the exclusive car insurance landed, it is expected that 80% of new energy car owners can enjoy the benefits of fee reduction. The relevant staff of Ping An Property & Casualty Guangzhou Company told reporters that if there are traffic violation records and the number of insurance trips in the previous insurance cycle, the premium may be affected and increased. "Some drivers with poor driving habits will inevitably increase their car insurance premiums. Some models are widely used as ride-hailing vehicles, and the payout ratio may also exceed that of ordinary new energy vehicles. "Overall, the premium of new energy vehicles above 250,000 yuan may rise."
Chinese insurance related staff said that the new energy vehicle compensation rate has been high, after the exclusive product is launched, the relevant coefficient varies according to the region, model, insurance situation, etc., "the insurance company will not increase the price of sales, the use of direct sales, has compressed the intermediate costs." ”
It is reported that the current owners can find insurance channels through major mainstream insurance companies to insure new energy vehicle exclusive insurance, such as the Ping An Good Owner APP, the relevant mini programs of Pacific Property Insurance, and the official channels of Chinese Insurance Property Insurance. However, for new energy car owners who have already insured traditional car insurance before the launch of captive insurance, the protection content will not be automatically upgraded to a new protection scheme. The relevant staff of Ping An Property & Casualty Guangzhou Company told reporters that car owners need to wait until the expiration of the previous car insurance protection period before they can apply for new energy vehicle insurance. "Or you can choose to surrender the insurance and buy a new energy vehicle insurance again."
Exclusive car insurance coverage expanded
The reporter noted that the "Exclusive Clauses" released this time define new energy vehicles, common pure electric vehicles, plug-in hybrid (including range extender) vehicles, and fuel cell vehicles, all of which belong to new energy vehicles. Moreover, after the landing of new energy exclusive car insurance, these vehicles can only use exclusive terms for new insurance and renewal, and traditional fuel vehicles continue to use the old terms.
At the same time, new energy vehicle insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, new energy vehicle vehicle personnel liability insurance 3 main insurance and 13 additional insurance, basically taking into account the common risks of new energy vehicles.
The relevant staff of Ping An Property & Casualty Insurance Guangzhou Company told reporters that the exclusive terms of new energy vehicles are more in line with the actual use scenarios and risks of new energy vehicles, and the insurance liability of vehicle damage insurance covers the unique structure of new energy vehicles such as batteries and "three electricity" systems, clarifies the responsibility of "fire and combustion" that is widely concerned by all sectors of society, and also expands the risk factors such as charging piles and external power grids through additional insurance, which is easier to understand while providing more comprehensive insurance protection.
According to statistics from the China Association of Automobile Manufacturers, in the first three quarters of this year, the number of new energy vehicles in China reached 6.78 million.
Text/Guangzhou Daily, New Flower City Reporter: Deng Li
Photo/ Guangzhou Daily, New Flower City Reporter: Deng Li
Guangzhou Daily New Flower City Editor: Mai Xiaoying