On December 27, the exclusive product of commercial insurance for new energy vehicles was officially launched. 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 launch of exclusive car insurance, we found that some new energy car owners have reported 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 in the end?
First, the insurance liability is expanded, and the "three electricity" can be insured and the charging pile can be compensated
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 auto insurance of a large insurance company Hangzhou branch said 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.
Second, car insurance has indeed risen, why is the most exaggerated Tesla?
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 increase in the premiums of some Tesla owners, Weilai, Ideal, Xiaopeng and so on have also risen to varying degrees (there are also some models of the total premium decline).
Today, we also asked many car dealers in Hangzhou. Everyone's feedback is that now when buying new energy vehicles, car insurance has indeed risen.
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 purchase of BMW new energy vehicles, the cost of car insurance was more than 2,000 yuan more expensive than before. For example, BMW 5 Series plug-in hybrid version, before individual customers bought car insurance, a total of more than 14,000 yuan, now it costs about 17,000 yuan. Mr. Hu is a Tesla owner, and after the National Day this year, he mentioned the Model Y rear-wheel drive version, and the premium was less than 7100 yuan at that time. 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 five or six hundred yuan.
The rise in premiums has also become a hot topic in the Tesla owners' forum in the past two days, and many car owners have uploaded their own insurance policies in it.
Judging from the news in the forum, the premium of Tesla's new car in the past two days has fluctuated a bit, rising several thousand for a while, and falling the next day, but it is much more expensive than before. Especially the P version of Model 3 (high-performance version) and the long-endurance version of Model Y, the premium increase is even greater. 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." ”
According to the netizens' revelations and screenshots, this time the new energy vehicle exclusive insurance is online, and the most exaggerated premium increase seems to be Tesla's model, why is this? Property and casualty insurance industry insiders said that the policy cost of new energy vehicles is mainly reflected in two aspects, one is that maintenance is expensive, and the other is that the insurance rate is relatively high. The compensation rate of new energy vehicles has always been high, and after the exclusive product is launched, the relevant coefficient varies according to the region, model, insurance situation, etc. At the same time, 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 will have a payout rate that far exceeds that of ordinary new energy vehicles.
The rise in tesla model premiums may be these factors. First of all, Tesla's claim rate and claim amount reached 1:1.4, which is equivalent to charging a dollar premium to lose 1.4 yuan, so the premium price of Tesla's entire series of models has increased. According to industry insiders, Tesla because of the use of all-aluminum integrated body, after the collision is not easy to sheet metal repair, can only be replaced as one, after the insurance compensation is more expensive than other models. In recent years, Tesla car accidents have occurred frequently, and problems have been constantly occurring at home and abroad, which may also be the reason for the rise in premiums.
Third, the overall premium has risen and fallen, and the specific rise or fall is still being calculated
One person's premium does not represent the premium of other car owners who purchased this model. Because in addition to the payout rate of the model, the level of maintenance costs, and the frequency of failures, the owner's personal driving habits, the number of previous insurances, etc., are directly related to the next year's premium.
Therefore, if the premium of others is 10,000 for the same model, and your driving habits are good, the number of insurance accidents is small or even no insurance, then your premium may be much lower. The netizen's premium is only a reference, and the specific premium must be communicated and verified with the insurance salesman.
"The association has calculated that about 80% of car owners have a flat or slight decline in benchmark premiums." What the general manager of the Hangzhou branch of a large insurance company said was the "Explanation for the Calculation and Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Exclusive Products 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.
According to netizens' revelations, the premium of Tesla models has also fluctuated in the past two days. Some Tesla owners in Beijing 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 11,000 yuan, and 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 it was also decisively bought, but it is still 2,000 yuan more expensive than before.
If the same insurance really appears, the price drop is more obvious after buying, you can also be like the following netizens, the previous insurance is refunded and then re-bought. "3P picked up the car today, bought insurance for 15,000 yuan yesterday, and consulted again today, only more than 9,000 yuan." Decisively surrender the warranty weight, the film money has been. ”
It should be noted that after the surrender of commercial insurance, subsequent re-insurance may occur at different discount rates. Therefore, if you really want to surrender the insurance and then buy, be sure to communicate with the salesman first to ensure that you can really save money and then carry out follow-up operations.