Tramway news: On December 27, the new energy vehicle captive insurance was officially launched. Compared with traditional car insurance, new energy vehicle 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, providing consumers with more comprehensive protection.
According to the new insurance regulations, new energy vehicles, including pure electricity, plug-in hybrid (including range extenders), and fuel cell vehicles, can only be insured with exclusive terms of commercial insurance for new energy vehicles, and the remaining models, including fuel vehicles, will continue to use the 2020 version of the commercial vehicle model clauses.
Consumers are most concerned about changes in premium prices. After the launch, the news about the sharp increase in the premium of Tesla's new energy vehicles has attracted the attention of many car owners.
There are Tesla Model Y owners posted the car insurance switch before and after the premium quotation, take the price of 395,900 yuan Tesla Model Y high-performance version for example, ordinary commercial car insurance is only about 8,000 yuan a year, today upgraded to new energy vehicle exclusive car insurance, the price rose to 14,000 yuan -15,000 yuan, an increase of more than 70%. More netizens summarized the premium increase of many models, which shows that the premium increase of some Tesla owners is as high as 80%, and new energy vehicles such as Weilai, Ideal, and Xiaopeng have also risen to varying degrees.
In response to the sharp rise in the premium of new energy vehicles, the latest response of Ping An Auto Insurance customer service said that it was not as exaggerated as it was said on the Internet, because they did not receive official notice of price increases, and it was impossible to increase exponentially. At the same time, the customer service of another new energy vehicle insurance trading platform said that the coverage of new energy vehicle insurance is more refined, and the price cannot be predicted.
According to the explanation of professionals, the main factor for the high price of exclusive commercial insurance for new energy vehicles is that the exclusive parts protection of new energy vehicles in the New Deal is more comprehensive, and at the same time, it is calculated according to the claim rate and claim amount of the corresponding model, and the accident rate of some new energy vehicles is relatively high, so the corresponding premium will rise. According to the data of the national regulatory platform, the failure rate of new energy vehicles is much higher than that of fuel vehicles.
New energy vehicles in the scope of exclusive insurance problems, insurance companies may need to pay, helpless, insurance companies can only increase the price of car insurance. And for some models with higher failure rates and car owners with more traffic violations, the price of car insurance will be more expensive.
However, not all new energy vehicle insurance has increased prices so badly. The "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Exclusive Products of New Energy Vehicle Commercial Insurance" issued by the China Association of Actuaries confirms that new energy vehicles priced at less than 250,000 yuan will not increase the fee for insured car damage insurance, and narrow the threshold for the increase and decrease of the rate. Models of more than 250,000 yuan, only some of the premiums have increased, but the overall price does not exceed 3%. Model Y car insurance has risen so much, which may be because of the frequent accidents of Tesla cars in recent years, not only in China, but also in foreign Tesla cars.
A few days ago, the US authoritative organization "Consumer Report" launched the 2021 car reliability survey report, Tesla's performance is the same as last year, the second to last reliability, only higher than Lincoln Car. J.D. Power's data also shows that tesla cars have a very high failure rate.
Of course, the rise in premiums is undoubtedly an additional annual expenditure for new energy car owners, which is certainly unpleasant. However, in addition to changes in premiums, captive insurance for new energy vehicles has advantages outweighing the disadvantages.
From the perspective of protection itself, if according to the insurance standards of traditional cars, if the new energy vehicle spontaneous combustion or major accidents, it is difficult to apply for large compensation such as the vehicle's three-electric system (motor, electronic control, battery), and it is easy to be rejected by the insurance company, and the owner needs to spend a lot of time, energy and insurance company negotiations.
After the new deal came down, it was clearly stated that the insurance liability for such accidents was attributed to the insurance company, and the insurance company had to pay for it. Even if an accident occurs while parking or charging, the insurance company is responsible. And this time also added three additional insurance types, new energy car owners have more choices, so as to more comprehensively protect the rights and interests of new energy vehicle owners.