Recently, a Tesla Model Y owner exposed online that the cost of insuring his car on December 23 was 8278 yuan, while the insurance fee on December 27 was as high as 14902 yuan. Just a few days later, the premium of the same car is so much worse? Not only that, Weilai, Ideal, and Xiaopeng also had a similar situation. This matter is directly related to the pocketbook of the majority of consumers, and it is necessary to explore it.
Originally, on December 27, the new energy vehicle captive insurance was launched, and major domestic property and casualty insurance companies have introduced the latest service policies. From the perspective of the price increase part, in fact, it is concentrated on the car damage insurance premium, and the increase is relatively large, of which Tesla is the most exaggerated, the premium is almost doubled, and the "Wei Xiaoli" premium increase is also between 16% and 37%.
A netizen said that a day late to pick up the car, the premium directly rose by 10,000 yuan, almost to cry ... In addition, many car owners complained that "the fuel cost saved on the tram is all attached to the premium." As we all know, auto insurance belongs to the rigid expenditure of the majority of car owners, even if it is commercial insurance, it should be said that it also has some people's livelihood attributes, and the increase of thousands of yuan at every turn will make many people uncomfortable. Why rise?
In the middle of this month, the China Insurance Industry Association officially announced the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)". The "pot" of price increases should never be carried by the relevant national authorities, and the new policy would have benefited the people. According to the provisions of the New Deal, the benchmark premiums of the new energy vehicle triad insurance and the vehicle damage insurance fell by 0.1% and 1.2% respectively compared with before. Then, there is also a "autonomy coefficient" that affects the premium, which is determined by the insurance company within a certain range, and the insurance company will not be "soft", for high-end new energy models, the autonomy coefficient is generally pulled very high.
The insurance company did not maliciously increase the price, but more to consider the actual business situation. Because the new regulations not only provide protection for the "three electricity" system, but also comprehensively cover the use scenarios of new energy vehicles driving, parking, charging and operation. In other words, spontaneous combustion and damage to the "three electricity" system can be insured. It is a big guarantee for the owner, no need to worry about paying compensation after the accident, but the insurance company is not happy. In recent years, how many moths have been produced by new energy vehicles, I think everyone has heard about it. Some insurance practitioners said that the current new energy vehicle insurance loss rate generally exceeds 85%, far exceeding the traditional fuel vehicles, and the industry is facing greater underwriting loss pressure.
Even insurance companies are reluctant to underwrite some new energy vehicles because the risk is too high. One is that maintenance is expensive, and the other is that the risk rate is high. Take Tesla, for example, which uses an all-aluminum one-piece body, which is not easy to repair after collision, and can generally only be replaced. In addition, Tesla's poor reliability, quality control and domestic and foreign consumers have fully learned, and for Tesla models, insurance practitioners said that "charging a dollar premium to lose 1.4 yuan." In any case, the premium of Tesla models is bound to rise, or the insurance company simply refuses to cover it.
It is worth noting that the premium increase is not for all new energy vehicles, and low-end models are not greatly affected by this. According to the "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Commercial Insurance exclusive products of new energy vehicles", the price of new energy vehicles insured by new energy vehicles with a price of less than 250,000 yuan does not increase in price, and the limit on the increase and decrease in rates has also been narrowed. Some car owners said that the car damage insurance of BYD Qin PLUS EV and other models did not rise but fell, which actually reflected the quality recognition of different models. As for traditional fuel vehicles, premiums have not been affected much by the New Deal. Uncle Che concluded
If you stand in the position of consumers, the premiums of some new energy vehicles have soared, which objectively suppresses the enthusiasm for the purchase of high-end new energy vehicles. With the setback in sales, the marketing and operating costs of related car companies will inevitably increase, which is believed to be what the relevant departments are willing to see. However, if the price is not raised, the operating costs of insurance companies remain high, and this cannot become the norm.
On the other hand, car companies should take responsibility, pay attention to product reliability, maintenance economy, can not blindly pursue the so-called "high precision", but ignore the precipitation and polishing of technology. After the new energy vehicles are mature and perfect enough, the premiums of new energy vehicles should fall. But before that, how the relevant departments should lead the healthy development of the industry and balance the interests of all parties is worth repeating and in-depth discussion.