On December 27, the new energy vehicle captive insurance was officially launched, and 12 mainstream property insurance companies simultaneously launched the sale of exclusive new energy vehicle insurance products. Many netizens have reflected that their electric vehicle premiums are more expensive, and even appeared, buying insurance for one day late, but the premium was directly higher than 6,000 yuan.
New energy vehicles and traditional fuel vehicles are different, the stability of power batteries is the top priority, the data show that in 2019, the State Administration for Market Supervision and Administration recalled 33,000 new energy vehicles, due to the power battery problem and the number of recalls is 6,217 units, in recent years, the occurrence of spontaneous combustion of new energy vehicles is not uncommon, and in the traditional car insurance, there is no exclusive insurance for batteries and motors, therefore, new energy vehicle exclusive car insurance on the line, the vehicle fire, "three electricity" system, Even charging piles outside the car are covered.
In addition, the third-party liability insurance has also increased the insurance amount under the previous circumstances, and the maximum sum insured of ordinary three-party insurance is 10 million yuan, but the maximum sum insured of the three special insurance of new energy vehicle exclusive insurance can reach 40 million yuan.
However, with the reform of new energy vehicle insurance, many netizens have also found that the insurance price of their cars has also risen. Some netizens showed that their Tesla Model Y in the same insurance company, the premium rose by about 80%, from the previous 5,000 yuan soared to more than 12,000 yuan, of which the motor vehicle loss insurance directly doubled, however, this car has a certain particularity, because Tesla's acceleration is relatively fast, even if the fuel car is accelerated faster, the premium is relatively high.
However, according to a new energy vehicle insurance quotation table that flowed out of the Internet, almost all the premiums of electric vehicles have increased to a certain extent. Among them, tesla's many models of car losses have increased by 114%, and the total standard premiums of Xiaopeng and Weilai will increase by 27.63-37.31%.
The increase in premiums, so that many car owners call directly, they have to save a little oil money, but also to put in, combined with next year's new energy vehicle subsidies decline, power battery prices rise, the increase in these costs, may have to eliminate many consumers who intend to buy new energy vehicles.