December 27 news, new energy vehicle commercial insurance exclusive products have been officially launched for sale, in the past new energy vehicles did not have special terms, so the past has been using traditional fuel vehicles for new energy vehicle insurance.
The exclusive insurance coverage models for new energy vehicles include pure electric vehicle models, plug-in hybrid models and fuel cell models.
Comparative data show that most of the common electric vehicle premiums in the market have increased to varying degrees, of which Tesla's many models of car losses have increased by 114%, of which the total standard premiums of Car Xiaopeng and Weilai will increase by 27.63-37.31%, and BYD's two models will remain unchanged or decreased, which may represent the insurance company's view of the cost of compensation for different products. Usually, the standard premium of the insurance company is based on the two factors of the probability of insurance and the cost of maintenance.
Compared with the traditional commercial insurance of fuel vehicles, the exclusive insurance of new energy vehicles increases the coverage of batteries and energy storage systems, motors and drive systems, other control systems, and all other equipment leaving the factory, including natural disasters and accidents.
In the case of spontaneous combustion of vehicles that new energy vehicle owners are more worried about, this time an exclusive additional insurance has been set up for new energy vehicles to protect the vehicle or property losses of third parties due to spontaneous combustion of vehicle fire.
The maximum three insurance can double the main liability limit on the basis of the insurance policy, up to 4 times, compared with the ordinary three insurance 10 million yuan, the maximum sum insured of the new energy vehicle exclusive insurance can reach 40 million yuan.
It is worth mentioning that after the launch of new energy exclusive car insurance, some car owners said that "the premium has risen".
Taking Tesla as an example, a Model 3 entry model with a car loss insurance amount of 235,900 yuan, the price difference between new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the premium of the Model Y high-performance version model with a car damage insurance amount of 395,900 yuan has risen from about 7800 yuan to about 14,000 yuan, an increase of 79%.
In this regard, some car owners said that they bought insurance for 1 day late, but the premium was directly higher than 6,000 yuan. At the same time, the new energy car owners who will be insured again next year are expected to increase their premiums compared with the previous year.
Although the new captive insurance has risen in terms of premiums, the most important core "three electricity" system for electric vehicles and the problems such as spontaneous combustion that are prone to occur are clearly defined, so the coverage is more comprehensive.
What do you think about new energy exclusive car insurance?