Recently, the new energy vehicle exclusive insurance was officially launched, the release of the new energy exclusive car insurance products, insurance liability further enlarged, more adapted to the characteristics of new energy vehicles, not only taking into account the risk of spontaneous combustion of new energy vehicles, but also taking into account the "three electricity" (that is, batteries, motors and electronic control) damage risk.
It is worth mentioning that after the new energy exclusive car insurance was launched, Tesla owners said that "the premium has risen sharply.". Some netizens compared the premiums of model Y models around the 27th, which were 8278 yuan and 14902 yuan, respectively, an increase of 6624 yuan, an increase of 80%.
However, this is not the most soaring model, and the performance models such as the Model 3 Performance and the Model Y Performance have doubled the increase. According to netizens, the premium of Model 3P was about 8,000 yuan, and the premium after the launch of the new insurance reached about 18,000, directly up 10,000 yuan, an increase of up to 125%. Why are Tesla premiums rising so much?
A car insurance industry insider told the editor of the "Auto Professional Network" that the rise is expected, but the 80% increase should not be, which may only be a case of an insurance company.
An automotive engineer said that from an engineering perspective, he did not understand why Tesla's premiums were higher than other car brands. Another automotive engineer said Tesla's premiums were rising more, possibly because of influential reports of accidents. In contrast, in recent years, Tesla car accidents have occurred frequently, not only in China, but also in foreign Tesla cars.
For the soaring Tesla premiums, a Tesla owner said that the surge was mainly in model Y, Model 3P and dual-motor performance models, and the standard model had little impact. "Model 3p loves drag racing, I have seen several accidents, 330,000 cars, the speed of a million sports cars, test drive is really cool, but I am too old to drive."
At the same time, some netizens broke the news that Tesla's claim rate and claim amount were too high, reaching 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.
In fact, after the launch of new energy vehicle insurance, in addition to Tesla, Weilai, Xiaopeng, Ideal, BYD and other new energy vehicle companies, the premium price has risen by a certain extent. Xiaopeng Automobile's car insurance rose by up to 54.98%, at least 24.77%, the total premium rose by 16%-37%, and the premium increase of Weilai and Ideal Automobile was similar, and the specific increase was also different due to the model, region and other factors.
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.
But at the same time, the premiums of many other models have not been raised, and there has even been a certain decline, including BYD Qin New Energy, BYD E2, Roewe E50, Roewe Ei5, BMW i3, Sihao E20X and so on. Among them, except for the BMW i3, the price of the rest of the models is below 250,000.
Mr. Qi, account manager of Pacific Auto Insurance, said in an interview that with 250,000 yuan as the boundary, new car insurance will generally decline or be flat for price-sensitive customers. Brands of more than 250,000 yuan that are classified as non-price sensitive may fluctuate in large fees. Overall, under the new insurance model, insurance companies will give different views on the cost of compensation for different products.