Text | Gong Mengze
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Taking Tesla as an example, a Model3 entry-level model with a car damage insurance amount of 235,900 yuan, the price difference between the new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the ModelY high-performance version of the model with a car damage insurance amount of 395,900 yuan, the premium rises from about 7800 yuan to about 14,000 yuan, an increase of 80%, nearly doubled.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Taking Tesla as an example, a Model3 entry-level model with a car damage insurance amount of 235,900 yuan, the price difference between the new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the ModelY high-performance version of the model with a car damage insurance amount of 395,900 yuan, the premium rises from about 7800 yuan to about 14,000 yuan, an increase of 80%, nearly doubled.
Some industry experts said that behind Tesla's high premiums, on the one hand, Tesla's negative reports have been frequent in recent years, which has increased the expectations of insurance companies for its compensation; in addition, Tesla, which uses an all-aluminum integrated body process, is not easy to repair after collision, and can only be replaced as one, which also increases the cost of compensation.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Taking Tesla as an example, a Model3 entry-level model with a car damage insurance amount of 235,900 yuan, the price difference between the new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the ModelY high-performance version of the model with a car damage insurance amount of 395,900 yuan, the premium rises from about 7800 yuan to about 14,000 yuan, an increase of 80%, nearly doubled.
Some industry experts said that behind Tesla's high premiums, on the one hand, Tesla's negative reports have been frequent in recent years, which has increased the expectations of insurance companies for its compensation; in addition, Tesla, which uses an all-aluminum integrated body process, is not easy to repair after collision, and can only be replaced as one, which also increases the cost of compensation.
In terms of car owners, "the vast majority of car owners' benchmark premiums will decline." High-end models, there may be large fluctuations in costs. Mr. Qi, account manager of Pacific Auto Insurance, told reporters that in the early stage of the listing of new insurance types, insurance companies will give different views on the cost of compensation for different products.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Taking Tesla as an example, a Model3 entry-level model with a car damage insurance amount of 235,900 yuan, the price difference between the new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the ModelY high-performance version of the model with a car damage insurance amount of 395,900 yuan, the premium rises from about 7800 yuan to about 14,000 yuan, an increase of 80%, nearly doubled.
Some industry experts said that behind Tesla's high premiums, on the one hand, Tesla's negative reports have been frequent in recent years, which has increased the expectations of insurance companies for its compensation; in addition, Tesla, which uses an all-aluminum integrated body process, is not easy to repair after collision, and can only be replaced as one, which also increases the cost of compensation.
In terms of car owners, "the vast majority of car owners' benchmark premiums will decline." High-end models, there may be large fluctuations in costs. Mr. Qi, account manager of Pacific Auto Insurance, told reporters that in the early stage of the listing of new insurance types, insurance companies will give different views on the cost of compensation for different products.
Mr. Qi also revealed to reporters that from the perspective of price increases, it is mainly focused on car damage insurance. For the same model, the insurance prices given by each head insurance company such as car damage insurance, three liability insurance, and compulsory traffic insurance are basically the same, and the differences are mostly concentrated in the additional insurance part. In addition, factors such as region, model and number of insurances can all affect the NCD (Car Insurance Coefficient), which in turn determines the actual premium expenditure.
Text | Gong Mengze
With the official launch of new energy car insurance that millions of new energy car owners have been waiting for for a long time, new energy vehicles that have been drawing on the traditional car insurance model have finally had their own exclusive insurance. On December 27, Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform. The spontaneous combustion of batteries that new energy consumers are most concerned about, and the problem of "three electricity" (that is, batteries, motors and electronic controls) is also clearly defined as the responsibility for insurance claims in the implementation of commercial insurance for new energy vehicles.
"Under the traditional car insurance clause, there is no difference between new energy vehicles and traditional fuel vehicles when they are insured in daily traffic accidents, and batteries, electronic controls, and motors are not within the scope of protection." The new car insurance not only includes the 'three electrics' in its insurance liability, but also protects all other equipment at the factory with the times. Some auto insurance industry insiders said in an interview with the "Securities Daily" reporter that the overall insurance compensation amount of domestic new energy vehicles has been very high, and the auto insurance business is also seeking to avoid losses by increasing insurance costs. Objectively speaking, car insurance companies are indeed facing greater underwriting loss pressure.
It should be pointed out that after the reform of new energy exclusive car insurance, with the increase of insurance rights and interests, the premiums to be paid by new energy car owners have indeed increased, and many new energy car owners have responded that "car insurance premiums have risen".
The reporter noted that the premium changes of electric vehicle models commonly seen in the market are different. For example, the loss cost of many Tesla models has risen significantly; the total standard premiums of Xiaopeng and Weilai have increased by about 27.63-37.31%; several models of BYD and SAIC Roewe have remained unchanged or even decreased.
Mr. Qi, account manager of Pacific Auto Insurance, told the Securities Daily reporter that with 250,000 yuan as the boundary, the new car insurance will generally decline or be flat for price-sensitive customers. (250,000 yuan) Or more individual brand models classified as non-price sensitive types may have large fee fluctuations. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.
"Three electrics" into the scope of protection New energy vehicles usher in a new exclusive insurance category
As early as August 4 this year, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to solicit opinions from the public; on December 14, the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles" was officially introduced; until December 27, millions of new energy car owners have been waiting for the long-awaited exclusive insurance products for new energy vehicles.
The reporter learned that compared with the car insurance of traditional fuel vehicles, the insurance liability of the new energy exclusive car insurance released this time is further enlarged, and it is more suitable for the characteristics of new energy vehicles. Not only considering the risk of spontaneous combustion in new energy vehicles, but also considering the risk of damage to the "three electricity". Compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.
In the new energy vehicle insurance clause, it is listed that the driving, parking, charging and operation of the vehicle are all insurance use scenarios, including 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. Compulsory traffic insurance has not changed, and new energy vehicles such as pure electric vehicles, hybrid vehicles, and fuel cell vehicles can be insured.
In the car damage insurance liability, it covers the unique structure of new energy vehicles such as the "three electricity" system, clearly lists that "fire and combustion" is the insurance compensation liability, and also expands the risk factors such as charging piles and external power grids through additional insurance.
In fact, with the large-scale development of new energy vehicles, the safety problems related to them have also been exposed one by one. According to incomplete statistics, in 2020, there were as many as 124 fire accidents in new energy vehicles that have been publicly reported, most of which are related to battery fires and charging accidents. To this end, new energy vehicle insurance also sets up an exclusive additional insurance, "fire accident limit double insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable liability limit, on the basis of the insurance policy on the basis of doubled.
"Under the framework of this insurance agreement, there is no need to prevaricate between the owner and the manufacturer about the accidents and losses caused by the product itself." Gao Yunpeng, director of the China New Energy Automobile Industry Innovation Alliance, said that most of the problems are clearly borne by insurance companies, which believes that there will be some role in promoting the development of new energy vehicles.
Tesla Model Y premiums are close to doubling Multiple coefficients affect actual premium expenditures
In fact, with the expansion of the scope of protection of new energy exclusive car insurance, the liability for compensation is clearly attributed to the insurance company, which means that the compensation cost of the insurance company will inevitably rise further. In this regard, various insurance companies are adjusting their profits according to different products and car owners' premiums.
Taking Tesla as an example, a Model3 entry-level model with a car damage insurance amount of 235,900 yuan, the price difference between the new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; while the ModelY high-performance version of the model with a car damage insurance amount of 395,900 yuan, the premium rises from about 7800 yuan to about 14,000 yuan, an increase of 80%, nearly doubled.
Some industry experts said that behind Tesla's high premiums, on the one hand, Tesla's negative reports have been frequent in recent years, which has increased the expectations of insurance companies for its compensation; in addition, Tesla, which uses an all-aluminum integrated body process, is not easy to repair after collision, and can only be replaced as one, which also increases the cost of compensation.
In terms of car owners, "the vast majority of car owners' benchmark premiums will decline." High-end models, there may be large fluctuations in costs. Mr. Qi, account manager of Pacific Auto Insurance, told reporters that in the early stage of the listing of new insurance types, insurance companies will give different views on the cost of compensation for different products.
Mr. Qi also revealed to reporters that from the perspective of price increases, it is mainly focused on car damage insurance. For the same model, the insurance prices given by each head insurance company such as car damage insurance, three liability insurance, and compulsory traffic insurance are basically the same, and the differences are mostly concentrated in the additional insurance part. In addition, factors such as region, model and number of insurances can all affect the NCD (Car Insurance Coefficient), which in turn determines the actual premium expenditure.
According to the reporter's understanding, some drivers with poor driving habits, models with a high frequency of insurance, and some models that are widely used as online ride-hailing cars (without changing the driving book), insurance companies have the right to refuse compensation for some models first. Secondly, even if the claim is settled, the loss rate will far exceed that of the average household new energy vehicle.
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