On December 27, the exclusive product of commercial insurance for new energy vehicles was officially launched, and the Hangzhou area was also implemented at 00:00 on the 27th. At this point, the new energy car owners have ended the days when they can only use traditional fuel car insurance as their car insurance, and new energy vehicles have opened the era of exclusive car insurance.
In the two days after the exclusive car insurance was launched, orange persimmon interactive reporters found that some new energy car owners reflected on the Internet that "car insurance premiums have risen". For example, a Tesla Model Y owner uploaded an insurance policy on a social platform and said that because the purchase date was different (just before and after the launch of the exclusive car insurance), the premium price difference was huge.
This has also triggered heated discussions among netizens.
So, for new energy car owners, what benefits can be obtained after the exclusive car insurance of new energy vehicles is launched? Will the premium increase?
Expansion of main insurance liability
Tailor-made 3 additional insurance
According to the latest statistics of the Ministry of Public Security, as of the third quarter of 2021, the number of new energy vehicles in the country has reached 6.78 million, and some accidents are unique to new energy vehicles, for this reason, on December 14, the China Insurance Industry Association issued the "New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)", and officially launched on the 27th; it contains two clauses, namely: "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" and "New Energy Vehicle Drivers accident injury insurance Model Clauses (Trial)".
"The Hangzhou area was launched at 00:00 on the 27th. New new energy vehicles are directly insured, and users who have purchased car insurance need to take special insurance after the expiration of the current car insurance. The general manager of the car insurance of a large insurance company Hangzhou branch told Orange Persimmon Interactive that the exclusive insurance of new energy vehicles contains 3 main insurances and 13 additional insurances, and the expansion of insurance liability is more suitable for the actual application scenarios and risks of new energy vehicles, which is definitely beneficial to car owners.
New energy vehicles use power batteries as kinetic energy devices, and auxiliary equipment is also extended to charging equipment outside the car. Therefore, in the process of use, in addition to the general risk of traffic accidents, there are also battery fires, deflagration caused by charging and so on.
The main insurance liability of the new energy vehicle exclusive insurance includes the loss caused by the fire and combustion of the vehicle and the hardware facilities such as "three electricity" (battery, motor, electronic control), and factory equipment into the scope of insurance.
"The additional insurance is tailored for new energy vehicles, including 3 'customized clauses'." The general manager of auto insurance said that new energy vehicle owners can insure additional external grid fault loss insurance, and the vehicle losses caused by external grid transmission and transformation failures, current and voltage abnormalities, etc., will be dispersed through the insurance mechanism; and the additional self-use charging pile loss insurance and additional self-use charging pile liability insurance can also compensate for the loss of spontaneous combustion accidents that occur during the charging process (often accompanied by the loss of charging piles and surrounding vehicles).
"These changes are basically aimed at the problems and disputes that occurred in the actual claim settlement process in the past." The head of the claims department of another large insurance company said.
Tesla owners:
The day before yesterday 6600 yuan, yesterday rose to 11,000 yuan
Today it became more than 7600 yuan, and I quickly bought it
Insurance equity has increased, and for car owners, there is another important question: will the premium increase?
In the past two days, some netizens have exposed the quotation of the same Tesla Model Y on Weibo. According to this quotation, the total cost insured on December 23 was 8278 yuan, the car damage insurance was 363,900 yuan, and the premium was 5797 yuan; the three liability insurance was 2 million yuan, the premium was 1106 yuan, and the compulsory traffic insurance was 950 yuan. By December 27, the total cost of insurance had risen to 14,902 yuan, an increase of 80%. Among them, the increase in car damage insurance was the largest, from the previous 5759 yuan to 12736 yuan.
Some netizens also summarized the increase in premiums of many models and made a table. It shows that in addition to the rise in the premiums of some Tesla owners, Weilai, Ideal, Xiaopeng and so on have also risen to varying degrees.
Today, orange persimmon interactive reporters also asked many car dealers in Hangzhou. Everyone's feedback is that now when buying new energy vehicles, car insurance has indeed increased in price.
A BYD dealer in Hangzhou revealed that at present, when buying BYD new energy vehicles, car insurance has generally risen by about 10%. The sales person in charge of a BMW 4S store said that after the exclusive car insurance was launched, the owner bought a BMW new energy vehicle, and the car insurance cost was more than 2,000 yuan more expensive than before, such as the BMW 5 Series plug-in hybrid version, before the individual customer bought car insurance, a total of 14,000 yuan, and now it is about 17,000 yuan.
Mr. Hu is a Tesla owner, he bought the Model Y rear-wheel drive version, this year's National Day after the car, when the premium paid less than 7100 yuan. Hearing that the premium has risen, he consulted a Tesla sales consultant in Hangzhou yesterday. The other party replied that if he was in the same model of car, now buy car insurance, at least the price will increase by five or six hundred yuan.
The rise in car insurance costs has also become a hot topic for Tesla owners in the past two days, and everyone has uploaded their own insurance policies in the forum.
Judging from the news in the forum, the car insurance cost of Tesla's new car in the past two days has fluctuated a bit, rising several thousand for a while, and inexplicably falling the next day, but it is much more expensive than before. In particular, the P version of Model 3 (high-performance version) and the long-endurance version of Model Y have increased their premiums more. For example, a netizen who will mention the model Y long-endurance version today said that before the car insurance was less than 10,000 yuan, the day before yesterday found that it rose to 16,000 yuan, "more expensive than the premium of the Model Y high-performance version." ”
Some Beijing Tesla owners said that they just bought insurance for the P version of Model 3 today, spending 7610 yuan, "December 27 is only 6600 yuan, the 28th suddenly rose to 11000 yuan, today it became more than 7600 yuan, hurry to buy." ”
Another Tesla owner also broke the news that his Model Y P version, yesterday to see the commercial insurance is more than 9,000 yuan, today it became 7100 yuan, so he also bought it decisively, but it is still 2,000 yuan more expensive than before. An insurance quotation posted by a Ningbo owner who will pick up the car in February next year shows that the current car insurance quotation for Model Y's long endurance is 14910 yuan.
"3P picked up the car today, bought insurance 15,000 yuan yesterday, and consulted again today, only more than 9,000 yuan." Decisively surrender the warranty weight, the film money has been. "There are also Tesla owners who operate like this.
Because the new energy vehicle exclusive insurance has changed greatly, it has also brought some trouble to the 4S store. Now many car dealers in the customer quotation, the habit of car insurance, license fees and other costs packaged together, quoted a total price, if the previous customer ordered a car, to December 27 after the car to pick up, then the car insurance will follow. Who will bear the cost of this increase? "We can only patiently explain to customers, the previous quotation was estimated, and now the rise is also because of policy factors, some customers understand, some do not understand." A sales manager said so.
Premiums have risen and fallen overall
Insurance companies: Which models will rise and which will fall is still being calculated
"The association has calculated that about 80% of car owners will have a decline in benchmark premiums." What the general manager of the above-mentioned auto insurance said is the "Explanation for the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for The Exclusive Product of New Energy Vehicle Commercial Insurance" issued by the China Insurance Industry Association, "but it will also affect the actual premium according to the traffic violation record, the number of insurances, etc." ”
"For different models, the premium has risen and fallen." The person in charge of the premium of another insurance company, Hangzhou Branch, revealed that the specific models will rise and which models will fall, and they are still calculating in the past two days. Subsequent insurance and payments also remain to be seen.
As for the increase in Tesla Model Y premiums that netizens are talking about, the answer of the three relevant responsible persons to the orange persimmon interactive reporter is basically the same: "The loss rate is higher, so in this round, the relevant coefficient has been adjusted" (in an interview in April last year, an insurance company in Hangzhou revealed to reporters that Tesla maintenance fees are high). Of course, it is not clear whether the increase in premiums in this single case online is affected by factors such as the number of insurance trips of the driver himself.
Orange Persimmon Interactive City Express reporter Tang Dengtao Tong Wei