Author: Fat Fei classmate
In the past two days, the rise in tram insurance costs has become a hot topic in the group of car friends.
Some car friends said that the insured price of a high-performance version of model Y was originally more than 8,000 yuan, and it became nearly 15,000 yuan overnight, just because of the difference in insurance time, it suddenly soared by more than 6,000 pieces.
The rider shouted: "The fuel money saved has become insurance!"
In addition, some car friends reflected that not only Tesla, but also commercial car insurance such as Weilai, Xiaopeng and BYD has also been bullish, and although the increase is not as good as Tesla, it has also grown significantly.
So what the hell is going on? Does new energy insurance really take off overnight?
New energy exclusive insurance launched, Tesla insurance prices soared!?
On the 27th of this month, the new energy exclusive car insurance was officially launched, and the Shanghai Insurance Exchange launched the new energy vehicle insurance trading platform, and the first batch of new energy vehicle exclusive insurance products of PICC Property insurance, Ping An Property and Casualty Insurance, and Taibao Property and Casualty insurance companies were listed.
And it was after the 27th that many people found that the premium of new energy vehicles increased...
We tried to confirm the news from different sources.
The first is this premium form widely circulated on the Internet, the source of the form we can not confirm, but it does clearly show the changes in the premiums of some models under the new and old policies, and the biggest increase is Tesla;
The other is the quotation page of the performance version of the Model Y insurance package provided by Tesla Sales, and the quotations of each insurance company are above 1.3w;
From Weibo @ Dehao love to drive
There are also flying on the valuation page of various insurance companies on the online platform, and the premium is more than 10,000 yuan;
From Weibo @ Used Car Research Institute
We also called several insurance companies in the Shanghai area for manual sales, but got a relatively vague reply. First of all, the new Tesla car in Shanghai cannot be insured outside the store, so the local insurance company cannot give a clear estimate; in addition, because I do not have the relevant data on Tesla's old model, I cannot give an estimate.
But the other party's reply to me is that they have not yet received the notice of Tesla's premium "surge", the price increase does exist, but the increase of thousands of yuan is somewhat "unlikely" in their view.
Under the Weibo of Tesla's premium price increase released by @Used Car Research Institute, many car owner netizens retorted that the cost of their just renewal was not as high as rumored on the Internet.
Up to now, the matter of Tesla's insurance price "skyrocketing" can be said to be a variety of opinions, and car owners with new renewals may wish to feedback the real situation in the comment area.
But from all indications, new energy vehicle insurance has indeed risen, but how much it has risen, we can't make up our minds.
Although various quotation charts on the Internet are flying all over the world, most people with experience in buying car insurance have heard the word "rebate". This is an important means for insurance companies to market insurance, and based on paper valuations, insurance sales often give "cashbacks" ranging from hundreds or even thousands of yuan and various "gifts".
Therefore, the insurance quotations displayed on the public page are often inaccurate, and the final pricing is still based on sales, and the policies of each region will be different, which is almost a public password in the industry.
Why are premiums rising? Is the introduction of captive insurance a good thing?
Back to the question that has not been answered, why has the launch of new energy captive insurance become the reason for price increases? Quite simply, because the coverage of the insurance has increased.
The exclusive insurance stipulates: 1, the body; 2, the battery and energy storage system, motor and drive system, other control systems; 3, all other equipment at the factory, these are within the scope of protection, whether it is driving, parking, charging and problems in operation can be claimed.
In other words, not only the car, but even the original charging pile is included in the insurance scope, and the clause also emphasizes that "due to natural disasters, accidents (including fire and combustion) caused by the direct loss of the following equipment of the insured new energy vehicle, and it does not fall within the scope of exemption from the insurer's liability, the insurer is responsible for compensation in accordance with the provisions of this insurance contract."
Some people in the insurance industry said in an interview with the media: "Because the claim rate and amount of claims for new energy vehicles are much higher than those of traditional models, and now we have to protect three electrics (batteries, electromechanical, electronic controls), our costs have also gone up."
In addition, the relevant person in charge of the Banking and Insurance Regulatory Commission also said at the press conference: "New energy vehicles are quite different from traditional cars in terms of body structure, power system, use scenarios, maintenance and other aspects, and their risk characteristics and accident causes also show certain particularities."
Before the launch of new energy exclusive insurance, the insurance of electric vehicles was a "confused account", and the insurance terms were basically the same as the use of fuel vehicles, and even some insurance companies in some areas expressed "refusal" to new energy vehicles.
Now with new energy exclusive insurance, it means that the insurance and claims of electric vehicles begin to be "evidence-based", from this point of view, the introduction of new insurance is definitely a good thing for the majority of new energy car owners.
Regarding the insurance price issue that everyone is concerned about, the "Explanation on the Adjustment of the Pure Risk Premium Table of the Exclusive Products of New Energy Vehicle Commercial Insurance" issued by the China Association of Actuaries at the beginning of the month once mentioned: "For new energy vehicles with a vehicle price of less than 250,000 yuan, the insured car damage insurance does not increase the fee, and the threshold for the increase and decrease of the rate is narrowed."
Automaker self-insurance or a way out?
As of the third quarter of this year, our new energy vehicle ownership exceeded 6.78 million, and in the face of the huge ownership, the development of tram commercial insurance looks a bit lagging behind.
Why?
As the person in charge of the Banking and Insurance Regulatory Commission said, new energy vehicles have certain particularities.
Taking the power battery as an example, as the most expensive component of an electric vehicle, once it is bumped, the suggestions given by the car manufacturer and the supplier are to replace the whole package, which puts great pressure on the insurance company.
Some netizens said that the reason why Tesla has become the "target" of this insurance price increase is because its claim rate and claim amount are too high, reaching 1:1.4, that is to say, the insurance company will lose a dollar for a premium.
This is obviously a loss-making transaction for insurance companies.
In addition, depreciation, the loss depreciation of traditional oil vehicles is generally 10% per year, but electric vehicles currently lack a scientific evaluation system, depreciation retention rate is unbearable, if in accordance with the traditional 10% conversion method, car damage insurance price will often be much higher than its real residual value in the second-hand market.
Naturally, insurance companies will not be willing to be the wrongdoers.
However, the market demand for new energy exclusive insurance is urgent, and in order to protect their own interests, insurance companies will increase the price of insurance is an inevitable choice, which is understandable.
So is there a compromise solution to achieve a win-win situation between the company and the owner?
Musk's idea is the depot self-insurance, one is that the depot has a wealth of data, it can conduct a risk assessment according to the driving behavior of the owner to give a personalized insurance price, and then the maintenance after-sales is controlled by itself, and the cost of claims in this part is controllable.
Weilai's approach is to launch a service worry-free package and a BaaS battery rental policy, which avoids the owner and the insurance company from fighting, the car factory as an intermediary to do everything, providing competitive insurance prices and services, and the battery rental and sales policy can cover the battery residual value.
This procedure is actually no different from self-operated insurance, although the owner is still contracted with the insurance company, but the task of being responsible for the claim is transferred to Weilai.
At last
From the perspective of development, we very much encourage the introduction of new energy captive insurance, which can even be said to be an important node in the development of new energy, which standardizes the electric vehicle insurance business and makes everything begin to become "evidence-based".
However, the introduction of any new insurance and financial policy needs to be polished by the market, and it is inevitable that the premium that is divorced from reality is not advisable. As a protection service, insurance must consider the affordability of consumers.
Regarding the real increase in the price of insurance, there are not many real hammers at present, we may as well let the bullets fly for a while. If you have the latest insurance data, please feel free to share your experience in the comments section.
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Article from: Electric Planet News
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