Yesterday (December 27), the China Insurance Research Institute of Automotive Technology (hereinafter referred to as "China Insurance Research Institute") released the 13th phase of the automotive zero-to-integer ratio data.
Image source: China Insurance Research Institute of Automotive Technology
"Zero-to-whole ratio" is a vague and familiar concept for many people. Simply put, the zero-to-integer ratio is related to whether it is expensive to repair a car. A formula to express it is:
This issue discloses the research results of the seven indicators of the automotive zero-to-round ratio system, and calculates that the vehicle sales price and accessory price collected by each indicator are the market sales guidance prices of automobile manufacturers on September 30, 2021.
The seven indicators are shown in the figure below:
On the whole, the most expensive car repair is still a luxury brand represented by BBA, and the price of accessories for Beijing Mercedes-Benz C-class and Audi Q5L is still staggering. At the same time, the prices of parts for some economic vehicles have also increased, and the prices of parts for some economic models that cost tens of thousands of yuan have increased by 20% or 30%.
"On the surface, these parts are paid by the insurance company, but behind them are still paid by the consumers themselves." In the future, I hope that when underwriting, different models and different zero-to-piece ratios will be taken into account more reasonably. Fang Zhongyou, chairman of the Automotive Technology Research Institute of China Insurance Research Institute, introduced that the follow-up commercial auto insurance rate will be more included in the zero integral ratio coefficient.
The ten most expensive cars to repair
Among these 100 models, the ten most expensive cars are basically from luxury brands:
This list does not seem to be much different from the previous issues, and it is mainly based on luxury brands. Among them, the BBA occupies 7 seats, and the second-tier luxury brands Lexus and Infiniti are on the list. The only non-luxury brand model is FAW Toyota's Asia Dragon.
The auto part-to-piece ratio index of 100 given by China Insurance Research Institute is 351.46%. The zero-to-integer ratio coefficient of the ten models on the list is obviously much higher than this index.
Among the 100 sample models, the model with the highest zero-to-integer ratio coefficient was the 2017 Beijing Benz C-Class (BJ7204HE1), which was 823.87%. To take an inappropriate example, if the 2017 Beijing Benz C-Class is disassembled and sold parts, 8 complete vehicles can be bought back.
In second place is BMW Brilliance X1 with a zero ratio factor of 747.9%, and the third is Dongfeng Infiniti Q50L, which has a zero ratio coefficient of 732.15%. Also on the list are BMW Brilliance X3, Lexus ES (import), Beijing Benz GLC, Beijing Benz E-Class, Audi A8 (import), BMW Brilliance 3 Series and FAW Toyota Asia Dragon.
Eat salted fish to meet thirst, enjoy the aura of the brand, the price is to repair the car to spend more money.
What is the most expensive car to repair at different prices?
China Insurance Research Institute also gave the TOP1 list of the sales price range of each vehicle.
Corresponding to the sales price of the vehicle, GAC Honda Fengfan, GAC Toyota Leiling, Dongfeng Infiniti Q50L, Beijing Mercedes-Benz C-Class, audi A8 (import) respectively became the models with the highest zero integer ratio coefficient in their respective guiding price ranges. That is to say, in the same price range, these models are relatively more expensive to repair.
Changes in each price range
The data shows that compared with the previous period, the average zero-to-integer ratio coefficient of vehicles in the 300,000-500,000 yuan range has decreased, and the average values of the remaining four ranges have risen.
However, the zero-to-round ratio coefficient of vehicles in the 300,000-500,000 yuan range is still in the highest range. That is to say, consumers of 300,000-500,000 yuan models, the cost of car repair is relatively the most expensive.
At the same time, it should be mentioned that the three models with the fastest growth in the burden of common accessories are Chery Arrizo 5, GAC Toyota Yaris and FAW Besturn B50, all of which are economic vehicles.
The reason is that Fang Zhongyou believes that the domestic general trend is that automobile consumption is shifting to the direction of high-end and new energy vehicles, and the sales volume of the low-end market below 200,000 may be squeezed. Therefore, manufacturers and 4s stores will raise the price of parts in order to survive and develop.
Which parts have gone up in price?
The average price of 15 of the 18 commonly used accessories in this issue is higher than the level of March 2021, and the top five accessories in the increase are:
Front fog lights (the average value of this period is 613.6 yuan, an increase of 1.16%)
Tail lights (the average value of this period is 4477.1 yuan, an increase of 0.72%)
Radiator frame (average for the current period is 1504.86 yuan, an increase of 0.51%)
Reversing mirror assembly (the average value of this period is 4366.51 yuan, an increase of 0.46%)
Condenser (average value of 1976.26 yuan in this period, an increase of 0.41%)
The lamp factory lives up to its name
Among the top ten models with headlights single-piece zero-to-piece ratio, the highest is the 2020 FAW Audi Q5L (FV6481LAQDG), with a headlights single-part part-to-piece ratio of 10.56%. In second and third place are also Audi models, with a headlight single-piece to-piece ratio of 8.85% of the FAW Audi Q3 and 8.7% of the FAW Audi A4L, respectively.
Zhongbao Research Institute said: The headlights in this period are relatively high in single-piece parts, and the price of headlights is still at a high level.
Taking the FAW Audi Q5L Rongxiang fashion type as an example, the price of each headlamp is 43924 yuan, which is equivalent to 9.47 headlights to buy a new car.
The name of the lamp factory is really not casually called.
Zhongbao Research Institute said that the front bumper leather and headlights are high-value accessories with a heavy maintenance burden on car owners in the 18 commonly used accessories, and their single-part zero-to-piece ratio has not decreased compared with the previous period, and the price of its accessories is still at a high level. Among them, the highest value of the single piece zero-to-integer ratio of the front bumper leather is 2.92%, the highest value of the headlight single-part zero-to-round ratio is 10.56%, and the highest value of the single-part zero-to-round ratio of the rear bumper leather is 3.49%.
In addition, Fang Zhongyou also told Zhongxin Automobile that with the rise in sales of new energy models, the research on the zero-to-round ratio of new energy models will be strengthened in the future.