In this case, the official launch of the exclusive product of commercial insurance for new energy vehicles on December 28 is particularly interesting. Some netizens said that Tesla Model Y's offer in the same insurance company has a huge difference before and after the New Deal, with premiums rising by about 80%, of which motor vehicle loss insurance is directly doubled.
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Visit: Tesla and "Wei Xiaoli" premiums have risen
A few days ago, 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 reporter inquired about Tesla's official website and found that this was indeed the case. Taking the Model Y long-endurance version model with a price of 347900 yuan as an example, the total standard premium of the four insurance companies that Tesla currently provides to the owners of PICC, Taibao, Guoshou and Ping An has been updated to 10827.37 yuan.
Not only Tesla's premiums have risen, but also the premiums of "Wei Xiaoli", the leader of the new car-making forces, have also been adjusted upwards: Xiaopeng Automobile's car insurance has risen by up to 54.98%, at least by 24.77%, and the total premium has risen by 16%-37%; the premiums of Ideal and Weilai Automobile have also risen.
Other new energy brands have also risen to varying degrees, and even Wuling's new energy vehicles have adjusted their premiums by more than 300 yuan.
The sales agent manager of Zhengzhou BYD Wenhua 4S store told reporters that taking BYD Han, which is currently paying more attention, as an example, the premium price has risen by five or six hundred yuan. The sales manager of Nezha Automobile said: "Compared with the previous car insurance costs, we have increased by more than 100 yuan per car, which has no impact on customer car purchases." ”
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Why is there so much increase in car insurance?
In response to the sharp increase in the premium of some new energy models reflected by netizens, the reporter asked a number of insurance companies in Henan, and has not received a clear answer and explanation.
According to the "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Commercial Insurance Exclusive Products of New Energy Vehicles" previously issued by the China Insurance Industry Association, many car owners can enjoy the benefits of fee reduction. Overall, the benchmark premiums of the three insurances and vehicle damage insurance of new energy vehicles have decreased by about 0.8% compared with the current benchmark premiums of traditional car insurance, of which the benchmark premiums of the three insurances have decreased by 0.1% and the benchmark premiums of vehicle damage insurance have decreased by 1.2%. According to PICC Property & Casualty Insurance, some vehicles may not increase in costs.
Some insurance claims commissioners privately revealed that the rise in premium calculation is probably related to the claim rate and claim amount of the new energy vehicle itself, which affects the pricing of the system, "The premium of new energy vehicles is basically the same as before, but in the past few years, the loss rate of new energy vehicle insurance led by Tesla and 'Wei Xiaoli' generally exceeded 85%, which affected the calculation of the entire system." Taking PICC as an example, in addition to the rate, it also depends on the comprehensive score of this model in the PICC system, once the insurance score is high, the system will control it, the preferential coefficient will be adjusted accordingly, and the premium will increase together."
Zhai, a claims commissioner of another insurance company, said that for now, Tesla's claim rate has reached 1:1.4, "that is, the insurance company charges 1 yuan premium, and once Tesla has a problem, it has to lose a dollar and four." He told reporters that although the average premium of domestic new energy vehicles is about 21% more expensive than that of fuel vehicles, but at the same time the loss rate is higher than that of fuel vehicles, even if the risk of spontaneous combustion is not considered, Tesla and Weilai and other models use all-aluminum integrated body, a slight collision is difficult to repair through a simple sheet metal method, often have to replace the accessories, "often a change is an integrated all-to-be replaced, the pressure to pay is too big!" ”
Some insiders also pointed out that the exclusive car insurance of new energy vehicles includes the accidents (including spontaneous combustion) that occur during driving, parking and charging of the core "three electricity", and the "double the fire accident limit insurance", and the scope of compensation is expanded, and the premium will naturally rise. In addition, the accident rate is large, the compensation is high, and the second-hand residual value of the new energy vehicle itself is low, which is also the reason why insurance companies have adjusted the premium of new energy vehicles.
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Outlook: Proprietary insurance may become a new trend
The rise in the premium of new energy vehicles, so that many consumers feel helpless, intend to order new energy vehicles in Zhengzhou citizen Mr. Li frankly said that due to the large increase in the premium of the model in the picture, he is now hesitant to choose other models, do not know whether the next price will rise further, "the first year is this price, the second year when the insurance will not rise again? ”
Some Tesla owners told reporters that on August 6 this year, Tesla has officially established an insurance brokerage co., LTD. in China, and it is possible to launch Tesla self-operated car insurance in the future, and unlike traditional car insurance, Tesla launched UBI car insurance, that is, car insurance based on the user's real-time driving behavior. For example, the frequency of the driver's sharp braking, how far away from the car in front of the car and other data can be collected in real time through Tesla's in-car sensors, so as to score the driver's safety factor and formulate the most reasonable premium amount, that is, the "thousands of people and thousands of prices" premium personalized customization model. According to Tesla officials, the average car owner can save about 20% to 40% of the premium, and the driver with the safest driving behavior can save 30% to 60%.
According to insurance industry insiders, the current new energy vehicle compensation data is still in the accumulation stage, and can not only look at the current price of a few days on the line, with the smooth operation of new energy exclusive car insurance, the overall price will still be lowered, now talk about price increases, there is still a little too early.