Image source: Visual China
Overnight, Tesla premiums soared 80 percent.
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%.
The cost of insurance for new energy vehicles has skyrocketed
According to the surging news, some Tesla owners said that the fuel money saved has changed all the premiums; and Tesla owners said in the owner group that the premium quotation for car insurance renewal in the first two days was 4700 yuan, and now the quotation is 5500 yuan.
On December 28, a Tesla Model 3 owner in Shanghai said that he had renewed his insurance in advance, and the premium had dropped from more than 6,000 yuan in the first year, plus the cashback equivalent to a premium of more than 4,000 yuan. However, he also heard that the exclusive insurance of new energy vehicles has a great impact on Tesla with a car price of more than 300,000 yuan.
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 a day late to pick up the car, the premium rose by 10,000 yuan, the car was not in the mood, regret crying ...
According to the summary of netizens, from the perspective of the price increase, it is mainly concentrated on car damage insurance. For the same model, the insurance prices given by each head insurance company such as car damage insurance, three liability insurance, and compulsory traffic insurance are basically the same, and the differences are mostly concentrated in the additional insurance part.
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.
It is worth noting that there are also some models whose total premiums have declined, such as BYD's Qin and Roewe E50.
Why is the increase in new energy vehicle insurance so large?
On December 14, the car insurance that new energy vehicle owners are looking forward to was introduced, and the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)". In terms of insurance liability, it 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. 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.
On December 27, the new energy vehicle exclusive insurance product was officially launched, and it is understood that 12 property insurance companies, including PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty, launched new energy vehicle captive insurance products. 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 reaction of many netizens, the increase of different models varies between 20% and 80%.
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 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). 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. Accordingly, the cost of new energy vehicle insurance has also increased accordingly.
According to reports, in the insurance system of the Shanghai Insurance Exchange, there are 3 main insurances and 13 additional insurances. 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.
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.
According to the China Fund News, people in the property insurance industry 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 way, Tesla's biggest increase is not without reason. Tesla's claim rate and claim amount reached 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.
(Zhang Hongjin, editor of Titanium Media App, synthesized from China Fund News, Financial Circles, Surging News, Sina Finance, etc.)