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?
Ms. Peng, a new energy vehicle owner in Shanghai, who bought a Tesla in February last year, told reporters that because he needed to add a Shanghai new energy vehicle to send a license plate, he finally chose to buy a new energy vehicle. Now her monthly expenditure on the car is only about 200 yuan in charging fees. She said that if the premium is really raised by 80%, the advantages of new energy vehicles will be greatly reduced. Ms. Peng said: "Last year's premium was still within a reasonable range, almost six or seven thousand yuan. Consulted, but maybe a new policy at the beginning and then they did not have a very clear answer, that is, the possibility of rising is relatively large, according to the Internet, that is, from a few thousand dollars to more than 10,000 yuan, an increase of 80%, so I think it is a bit exaggerated. ”
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. The sales staff told reporters: "It is true that there may be more than 3, 400 yuan, whether there is a violation, whether there is a claim, including your personal credit, these will be included in the insurance, there is no way to say that a certain rise and a certain drop." "Industry insiders believe that the policy cost of new energy vehicles is mainly reflected in two aspects, one is that maintenance is expensive, but 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 exclusive insurance may also lead to an increase in the premium of some models. The car insurance manager said: "The three categories of batteries, electronic controls, and electromechanical products are not included in the insurance coverage of car damage insurance." This exclusive product launch will include the insurance liability of these three categories into our terms, and add three additional insurances, including additional external power grid fault insurance, including the increase of the loss of self-use charging piles and liability insurance. ”
(Intern Editor: Yin Yixing)