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On December 27, new energy vehicles officially entered the era of captive insurance. The long-awaited new energy vehicle captive insurance of the majority of new energy vehicle owners is simultaneously launched by 12 mainstream property insurance companies, namely Chinese Insurance, Sunshine Property Insurance, China Insurance, Chinese Life, Dadi Insurance, Ping An Property & Casualty, Taibao Property & Casualty, Taiping Property & Casualty, Tianan Property & Casualty, Zhongcheng Insurance, Asia Pacific Property & Casualty, and Samsung Property & Casualty.
However, when many people have not yet figured out the terms, some car owners find that their premiums have risen, especially Tesla owners, which have simply suffered a thunderbolt on a sunny day, and the premiums have soared, with an increase of 20%-80%.
Some netizens exposed that the insurance premium of Tesla Model Y after the landing of car insurance on the 27th was 14,900 yuan, and the cost of insurance on the 23rd was still 8278 yuan. That is to say, after the landing of new energy exclusive car insurance, the premium of this car increased by more than 6600, an increase of up to 80% year-on-year.
Some netizens said that they picked up the car a day late, and the premium rose by 10,000 yuan... The original official website shows that the premium of Tesla Model 3 Performance is about 8,000 yuan, and now the cost displayed on the official website is 18,000 yuan.
Renewal has not escaped the curse of price increases. Tesla Model 3 Performance model, last year did not out of insurance, the premium can be discounted by 3%, the result of the renewal of the insurance to spend more than 9700.
As for why the premium has risen, Tesla's official customer service said that it is due to the increase in the car damage insurance in the vehicle commercial insurance after the New Deal.
New energy vehicle insurance includes 3 main insurance and 13 additional insurance, which basically takes into account the common risks of new energy vehicles.
●The main insurance includes three independent types of insurance, including new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance, and the insured can choose the corresponding insurance types according to their needs.
●The car damage insurance of new energy vehicles is different from that of fuel vehicles, and its scope of application covers the use scenarios and risks of new energy vehicles. Taking car damage insurance as an example, it covers the unique structure of new energy vehicles such as batteries and "three electricity" systems, and clarifies that accidents (including spontaneous combustion) during driving, parking and charging can enjoy the compensation of commercial insurance.
●The exclusive additional insurance for new energy vehicles expands the risk factors such as charging piles and external power grids. For example, when the new energy vehicle is charged, because the external power grid failure leads to vehicle loss, the additional external grid fault loss insurance can provide protection; the new energy vehicle charging pile installed by the family, because of the loss caused by natural disasters and accidents, the additional self-use charging pile loss insurance can also be paid.
●There is also a fire accident limit doubled insurance, that is, the liability limit applicable to third-party liability insurance, which is doubled on the basis of the insurance policy. For example, the current three liability insurance is up to 10 million, and the fire accident limit of new energy vehicles can be doubled by 4 times, and the insurance amount of 40 million yuan can be insured.
The most headache of new energy vehicles is "fire", "spontaneous combustion", etc., and exclusive car insurance includes these aspects, which does provide a more comprehensive guarantee for new energy vehicle owners.
Note that battery attenuation is not covered by the insurance. Accidental occurrence of risk is one of the important criteria for judging whether a risk belongs to the insurable risk, and battery attenuation is an inevitable phenomenon, so it is not an insuranceable risk.
As for whether the premium is rising or falling, it is necessary to look at several aspects.
● First of all, it is related to the owner's insurance situation in the previous year, which will affect the premium discount of the new year;
●Secondly, the correlation coefficient will vary depending on the region and model;
●Finally, it is related to the claim rate and the amount of the claim.
Tesla's claim rate and the ratio of claim amount reached 1:1.4, it just so happens that the failure rate of its models is not low, and if the price is not increased, the cost of claims will not be consumed. In fact, this is also a common phenomenon in the domestic new energy automobile industry, with high loss rate, high compensation amount, expensive maintenance, and great underwriting pressure.
According to the insurance company's quick calculation, the benchmark premiums of the three insurances and the vehicle damage insurance of the new energy vehicles are about 0.8% lower than the current benchmark premiums of traditional car insurance: among them, the benchmark premiums of the three insurances fell by 0.1%, and the benchmark premiums of the vehicle damage insurance fell by 1.2%.
To put it simply, some vehicles may not increase the fee, or even drop, but the part of the model above 250,000 yuan will rise. That is to say, in addition to Tesla, the premiums of Models such as Weilai, Ideal, and Xiaopeng will also increase by a certain extent.
How to insure new energy vehicle exclusive car insurance?
Car owners can pay attention to the [new energy car insurance] public account on WeChat, find the entrance to buy car insurance, open the new energy car insurance trading platform, and the new energy vehicle exclusive insurance products of 12 property insurance companies can be selected. At present, online insurance, policy inquiry, order inquiry and other functions have been opened, and functions such as approval inquiry, claim progress inquiry, and electronic policy download will also be launched.
Car owners can also insure new energy vehicle exclusive insurance through major insurance companies, such as the Ping An Good Car Owner APP and the "Pacific Car Life" Mini Program page. Car owners can also consult through the official website of Chinese Insurance Property & Casualty Insurance, APP, public account, etc.
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