On December 27, the Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform and launched the first batch of new energy vehicle exclusive insurance products to provide support for the landing service of new energy vehicle exclusive insurance products.
On the day of the launch, a Tesla owner posted a quotation calculated in the system of an insurance company, which rose by more than 6,000 yuan from four days ago, an increase of up to 80%, so how much did the insurance rate of new energy vehicles rise? How did the owner react?
Shanghai's new energy owner Ms. Peng bought a Tesla Model3 in February last year, she told reporters, because the transportation needs to add Shanghai new energy vehicles to send license plates, so finally chose to buy new energy vehicles, and now her monthly expenditure on the car is only charging fees, about 200 yuan, she said that if the premium is really raised by 80%, then the advantages of new energy vehicles will be greatly reduced.
Shanghai new energy vehicle owner Ms. Peng: Last year's premium is still within a reasonable range, almost six or seven thousand yuan, consulted, they did not have a very clear answer, said that the possibility of rising is relatively large, if as said on the Internet, from a few thousand yuan to more than 10,000 yuan, an increase of 80%, I think it is a bit exaggerated.
The reporter learned that the exclusive insurance of new energy vehicles not only provides protection for batteries, motors and electronic control systems, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation. Compared with the original use of traditional fuel vehicles, the scope of car insurance protection is more comprehensive.
Ms. Peng, owner of a new energy vehicle in Shanghai: It does cover a wider range and provide greater protection for our customers. I think the tram three electric is a very important link.
Subsequently, the reporter called a number of insurance companies, and a number of salesmen said that there was indeed a certain increase in the premium of new energy vehicles.
A staff of an insurance company: It is true that there may be more than three or four hundred yuan, whether there is a violation, whether there is a claim, including personal credit, which will be included in the insurance, so there is no way to say that it must rise or fall. Tesla may have some particularities, now reported out is more than 7200 yuan, may be more expensive than before, there are ups and downs, not every car is fixed is up.
Industry insiders believe 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. At present, the loss rate of new energy vehicle insurance generally exceeds 85%, and the expansion of the coverage of new energy vehicle captive insurance may also lead to an increase in the premium of some models.
Yang Bo, assistant general manager of the auto insurance department of China Dadi Insurance: The three categories of batteries, electronic controls, and electromechanical insurance are not included in the insurance liability scope of car damage insurance, and the launch of this exclusive product will include these three categories of insurance liabilities within the scope of the clauses. Three new riders have been added, including fault insurance attached to the external grid, loss of self-use charging piles, and liability insurance. Therefore, its risk is more matched and suitable for the use of new energy vehicles.