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Today is the fourth day of the launch of new energy exclusive car insurance. Compared with traditional car insurance, new energy exclusive car insurance not only provides protection for the "three electricity" system (battery and energy storage system, motor and drive system, and other control systems), but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation, providing consumers with a more comprehensive protection.
At the same time, car owners are most concerned about changes in premium prices. The reporter noted that in the past few days, the owners of some Tesla models have posted on the Internet that after switching to new energy exclusive car insurance, they found that the premium increased a lot more than in the past.
Is the truth really like the internet rumors? The reporter of Shanghai Securities News interviewed a number of insurance companies, salesmen and industry experts to answer questions for everyone.
A question: Are new energy vehicle insurance premiums generally increasing?
A: There are ups and downs, depending on the model, the price of the car, and the driving behavior. The exclusive car insurance premiums of some low-cost new energy family cars have remained largely unchanged or slightly declining.
The insurance pricing method of new energy vehicles is the same as that of fuel vehicles, and it is gradually becoming market-oriented. It is understood that compared with traditional fuel vehicle insurance, the exclusive car insurance premiums of most new energy vehicles are declining, not the general increase of the industry.
The "Explanation on the Calculation and Adjustment of the Benchmark Pure Risk Premium Table for New Energy Vehicle Commercial Insurance Exclusive Products" obtained by the reporter shows that in terms of smoothing the rate of vehicle damage insurance, the benchmark premium of new energy vehicles with a price of less than 250,000 yuan is not floated; for new energy vehicles with a price of more than 250,000 yuan, the benchmark premium can be floated up and down, and the upper limit of floating on non-business vehicles and business vehicles is 15%.
The relevant person in charge of a property insurance company said that compared with traditional car insurance, the adjustment of the overall rate of new energy exclusive car insurance for car insurance is not significant. Among them, the three liability insurance is consistent with the current rate framework, and the relative difference rate between the levels under each dimension is unchanged, and the variation of each car type is also small, for example, the rate of family cars remains unchanged, the rental car is reduced by 0.5%, and the urban bus is reduced by 0.8%. The car damage insurance is close to the three liability insurance framework, and the calculation specially considers the affordability of the owner of the price-sensitive stock new energy vehicle, and restricts the price of cars below 250,000 yuan from increasing the premium.
A number of auto insurance salesmen confirmed to reporters that most of the premium prices of the new energy vehicles they have underwritten in recent days have decreased compared with before. In particular, the exclusive car insurance of some low-cost new energy family cars is generally maintained in a state of no increase or decrease or slight decline.
So, under what circumstances will the price increase? It depends on the car model, as well as the owner's driving behavior.
For a car, the premium rises or falls, mainly determined by the payment. This premium adjustment is a differentiated pricing of the vehicle, which widens the premium difference caused by the compensation cost of A and B class cars. Some new energy vehicle owners reflected: "Why is my car insurance premium expensive?" "It's mainly based on the results of your claims data analysis in recent years, mainly related to the size of the car's sales, past accident rates, average maintenance costs, etc.
A car insurance underwriter said that from the current point of view, the compensation cost of new energy vehicles is indeed higher than that of traditional vehicles, and insurance companies adjust the premiums of some high-risk models and high-risk car owners according to the compensation situation, in order to avoid the business from falling into underwriting losses for a long time. Of course, if the owner of the car keeps driving safely for a long time, and does not have insurance in the last year or even three years, the premium coefficient will drop significantly, and the corresponding car insurance premium will also show a downward trend.
Industry insiders said that the insurance industry for the first time launched new energy exclusive car insurance products, insurance companies system upgrades and improvements need to be tested by the market. According to feedback from most companies, the relevant adjustments can be in place before the year.
Second question: Which new energy vehicles have increased in price? How big is the price increase?
A: There are three main situations in which premiums rise, and the increase is not as exaggerated as it is rumored on the Internet.
An intermediary salesman in Beijing told reporters that the new energy exclusive car insurance they represented did have some price increases, and the price increase models were mainly Tesla, Weilai, Ideal, Xiaopeng and so on. The price increase of each vehicle is linked to the risk of the vehicle. The customer he represents, the price of his exclusive car insurance is 100 yuan to 100 yuan higher than before, but it is not as exaggerated as the internet rumors double or even several times.
A direct sales officer of auto insurance company told reporters: The price increase of new energy exclusive car insurance should be divided into three situations, especially the previous two situations.
The first type: Car owners who have been insured in the last year, according to the pricing rules, the insurance owner's premium for the next year should have a certain increase. This applies to both traditional and exclusive car insurance.
The second: insurance companies have done some marketing activities before, and the car insurance quotation for car owners is the price after the company gives certain discounts. Now that these offers are over, customers are feeling more quoted than before. But in reality, the insurance pricing for this car has not changed much.
Third: Some high-risk models, insurance companies have increased the premium price by adjusting the self-pricing coefficient. Judging from the actual operation of insurance companies in recent years, in order to achieve sustainable operation, the insurance price of these high-risk models is inevitable. It's just that now just in time for the launch of exclusive car insurance, car owners feel that exclusive car insurance is expensive.
Three questions: Which is more cost-effective, traditional fuel vehicle insurance or new energy vehicle exclusive insurance?
A: You can't simply compare the premium, but also look at the protection responsibility. The protection liability of the exclusive car insurance of new energy vehicles has been greatly expanded compared with the insurance of fuel vehicles.
In terms of insurance liability, exclusive car insurance highlights the structural characteristics of the "three electricity" system of new energy vehicles, and provides protection for the "three electricity" system (battery and energy storage system, motor and drive system, and other control systems). At the same time, exclusive car insurance will also expand the scope of protection to vehicle-specific use scenarios, comprehensively covering the use scenarios of new energy vehicles driving, parking, charging and operation, and spontaneous combustion accidents are included in the scope of protection. In general, the upgrade of new energy exclusive car insurance optimizes the connotation and extension of traditional car insurance, and enhances its applicability and pertinence.
New energy vehicles also involve auxiliary equipment such as power grids and charging piles. Combined with the characteristics of charging new energy vehicles, exclusive car insurance has developed the "Additional Self-use Charging Pile Loss Insurance" and "Additional Self-use Charging Pile Liability Insurance". This allows the new energy exclusive car insurance to protect the loss of the vehicle itself, but also to protect the loss of auxiliary equipment such as charging piles, as well as the property loss and personal injury that the equipment itself may cause, and to focus on solving the risks caused by auxiliary facilities in the application of new technologies.
Industry insiders said that although traditional car insurance also covered new energy vehicles in the past, the core components of new energy vehicles, such as the "three electricity" system, charging process and spontaneous combustion accident, were not clearly included in the insurance terms. These places are highly controversial when consumers make claims, and insurance companies often do not pay. Today's launch of new energy exclusive car insurance is tailored to solve these disputes, for these risks can be fully insured, consumers actually use, loss of insurance liability greatly expanded.
Therefore, according to the relevant switching requirements, all new energy vehicles (excluding motorcycles, tractors, and special vehicles) are uniformly subject to exclusive car insurance coverage, and traditional car insurance clauses are no longer applicable. Non-new energy vehicles can not be applied to exclusive car insurance coverage.
Four questions: What is the premium trend of new energy vehicles in the future?
A: The short-term premium trend may fluctuate due to the insurance rate and the loss ratio, but it is believed that with the improvement of issues such as the refined management of underwriting pricing, it will promote the return of the new energy vehicle loss ratio to a reasonable level.
Industry insiders said that the premium price of new energy vehicles in the future reflects the game between car ownership and electronic growth. From the perspective of bicycle maintenance costs, in the future, with the acceleration of automotive electronics brought about by automatic driving and mobile Internet, the growth of maintenance costs is a common trend; from the perspective of sales volume, the growth of bicycle sales will reduce the fixed expense rate and the price of after-sales parts, driving down premiums. The final premium price is the result of a game between the two. At the same time, it is also critical for consumers to reduce accident rates by driving carefully.
"Although the premium of some new energy vehicles has temporarily increased slightly compared with traditional fuel vehicles, the low maintenance costs and electricity costs of electric vehicles can effectively make up for the cost of use." Consumers' choice of smarter electric vehicles is consumption-driven and will not be choked up by rising premiums. The above-mentioned person said.
A relevant person in charge of property insurance said that before the introduction of new energy exclusive car insurance, the underwriting and claims affairs of new energy vehicles and fuel vehicles lacked rules and practices for refined management, and the precipitation of insurance experience data was not sufficient, and the insurance rate and compensation rate of new energy vehicles in the short term were still significantly higher than those of traditional fuel vehicles. However, with the continuous expansion of the premium scale of new energy vehicle exclusive insurance products, more and more practice accumulation, rapid iteration and upgrading of claims technology, and gradual improvement of problems such as refined management of underwriting pricing, which will promote the return of the loss rate of new energy vehicles to a reasonable level.
Editor: Huang Lei
Proofreader: Sun Jiehua
Photo editor: Zhao Yanyi
Production: Zhang Wei
Editor-in-charge: Zhao Weijia
Producer: Pu Hongyi
Issued: Pan Linqing
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